Texas SBA lending, from federal loan records
SBA Lenders Actively Funding Businesses in Texas
Since FY2020, 493 lenders have funded 27,779 SBA loans worth $22B for businesses in Texas. Borrowers reported 346,828 jobs supported by those loans. Below is who actually writes them, how big they run, and which Texas businesses get funded.
Most active SBA lenders in Texas
Ranked by loans funded for Texas projects since FY2020, not by advertising budget. A lender headquartered elsewhere that funds heavily in Texas beats a local name that rarely writes SBA loans.
504 loans are written by Certified Development Companies alongside a bank first mortgage. The 504 file reports no interest rate, so CDC rows show none.
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Start your funding profile →How big Texas SBA loans run
Share of Texas 7(a) loans by approval size, next to the national split. If your ask sits in a common band, it is the kind of loan lenders here fund every week.
| 7(a) loan size | TX | US |
|---|---|---|
| Under $150K | 25.5% | 40.4% |
| $150K to $500K | 36.2% | 31.9% |
| $500K to $1M | 16.5% | 12.9% |
| $1M and up | 21.9% | 14.9% |
Who gets funded in Texas
Business age on Texas 7(a) loans. 11.8% funded a change of ownership, against 11.1% nationally. Buying a business? See the acquisition lender shortlist. Starting one? See startup-friendly lenders.
| Business stage | TX | US |
|---|---|---|
| Established, more than 2 years | 46.3% | 55.2% |
| New, 2 years or less | 16.1% | 16.9% |
| Startup, loan opens the business | 25.8% | 16.8% |
| Change of ownership (buying a business) | 11.8% | 11.1% |
Industries Texas SBA lenders fund most
Share of all Texas SBA loans by industry, and how that compares with the national mix.
| Industry | TX loans | Share | Compared with US |
|---|---|---|---|
| Restaurants and hotels | 4,031 | 14.5% | in line with national |
| Retail | 3,346 | 12% | in line with national |
| Healthcare | 3,344 | 12% | 1.2x the national share |
| Personal and repair services | 2,977 | 10.7% | in line with national |
| Construction | 2,737 | 9.9% | 0.8x the national share |
| Professional services | 2,446 | 8.8% | in line with national |
| Manufacturing | 1,489 | 5.4% | 0.8x the national share |
| Business support services | 1,436 | 5.2% | in line with national |
The most common specific business types funded in Texas: full-service restaurants (1,222), limited-service restaurants (1,010), hotels (except casino hotels) and motels (811), gasoline stations with convenience stores (765), fitness and recreational sports centers (738), snack and nonalcoholic beverage bars (597).
Where in Texas the loans go
| County | SBA loans since FY2020 | Share of state |
|---|---|---|
| Harris | 4,837 | 17% |
| Dallas | 2,923 | 11% |
| Tarrant | 2,321 | 8% |
| Collin | 1,828 | 7% |
| Travis | 1,793 | 6% |
| Bexar | 1,527 | 5% |
| Denton | 1,337 | 5% |
| Fort Bend | 1,020 | 4% |
7(a) or 504 in Texas
7% of Texas SBA loans are 504 loans, against 12% nationally. A 504 loan funds owner-occupied real estate or major equipment, with a median of $964K here. A 7(a) loan covers almost anything else, including working capital and buying a business. The busiest 504 lenders in Texas:
- Capital Certified Development Corporation: 735 504 loans, median $1.1M
- LiftFund, Inc.: 338 504 loans, median $901K
- North Texas Certified Development Corporation: 252 504 loans, median $899K
- Greater East Texas Certified Development Company: 205 504 loans, median $1.1M
- Texas Certified Development Company, Inc.: 106 504 loans, median $866K
Texas SBA lending by year
| Fiscal year | 7(a) loans | 504 loans | Dollars |
|---|---|---|---|
| FY2020 | 2,675 | 257 | $2.4B |
| FY2021 | 3,569 | 324 | $3.8B |
| FY2022 | 3,098 | 359 | $2.9B |
| FY2023 | 3,721 | 251 | $3.0B |
| FY2024 | 4,650 | 284 | $3.3B |
| FY2025 | 5,123 | 338 | $4.0B |
| FY2026 (through June 30, 2026) | 2,929 | 201 | $2.6B |
The SBA fiscal year runs October through September.
Common questions
Who is the most active SBA lender in Texas?
By funded loans since FY2020, The Huntington National Bank leads Texas with 2,265 loans.
How big is a typical SBA loan in Texas?
The median 7(a) loan in Texas is $340K, and the middle half runs from $141K to $854K. The median 504 loan is $964K. Nationally the 7(a) median is $200K.
What interest rate do Texas SBA borrowers get?
The median starting rate on Texas 7(a) loans since FY2020 is 9.25%, against 9.25% nationally. 87% of those loans carry a variable rate, which moves with the prime rate.
Can a startup get an SBA loan in Texas?
Yes. 42% of Texas 7(a) loans with a reported business age went to startups or businesses two years old or younger, against 34% nationally. Lenders still expect a solid plan, owner equity and usually collateral.
Sources and limits. Derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records, FY2020 through June 30, 2026, for projects located in Texas. Cancelled approvals are excluded. Jobs supported are as reported by borrowers. Figures describe past lending activity only and are not offers, quotes, or qualification decisions. Big Brain Funding is not a lender and is not affiliated with any lender listed.