SBA 7(a) loans in Texas
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
13,797loans approved
$297,700median loan
$119K–$747Kmiddle half of loans
$9.7Btotal approved
10%median initial rate
10 yrsmedian term
The median Texas loan is 70% larger than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 611 | $475,000 |
| Limited-Service Restaurants (722513) | 449 | $490,600 |
| Fitness and Recreational Sports Centers (713940) | 350 | $350,000 |
| Snack and Nonalcoholic Beverage Bars (722515) | 336 | $402,500 |
| Child Day Care Services (624410) | 310 | $549,800 |
| Hotels (except Casino Hotels) and Motels (721110) | 298 | $3,327,500 |
| Gasoline Stations with Convenience Stores (457110) | 282 | $1,635,000 |
| Plumbing, Heating, and Air-Conditioning Contractors (238220) | 263 | $275,000 |
| Insurance Agencies and Brokerages (524210) | 238 | $204,250 |
| General Automotive Repair (811111) | 214 | $427,500 |
Most active lenders in Texas
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Huntington National Bank | 1,320 | $275,100 | $653.9M |
| Newtek Bank, National Association | 816 | $200,000 | $281.0M |
| Readycap Lending, LLC | 621 | $50,000 | $259.2M |
| Live Oak Banking Company | 607 | $650,000 | $850.8M |
| Northeast Bank | 584 | $110,900 | $85.2M |
| JPMorgan Chase Bank, National Association | 578 | $200,000 | $183.1M |
| Wells Fargo Bank National Association | 524 | $20,000 | $178.6M |
| Zions Bancorporation, National Association | 487 | $140,000 | $122.2M |
| Bayfirst National Bank | 428 | $150,000 | $70.7M |
| United Midwest Savings Bank National Association | 303 | $150,000 | $93.7M |
SBA 504 loans in Texas
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
871504 loans approved
$1,255,000median CDC portion
$1.4Btotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Texas
| Lender | Loans | Median | Total |
|---|---|---|---|
| Capital Certified Development Corporation | 343 | $1,250,000 | $577.6M |
| Liftfund, INC. | 134 | $1,352,000 | $210.3M |
| North Texas Certified Development Corporation | 108 | $1,338,500 | $167.2M |
| Greater East Texas Certified Development Company | 84 | $1,508,500 | $159.0M |
| Community Certified Development Corporation | 43 | $988,000 | $60.2M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.