SBA Loans in Texas for Small Businesses Now

SBA Loans in Texas: Your Comprehensive 2025 Guide

Texas is the number one state for small businesses in the United States, thanks to its robust economy, diverse industries, and entrepreneur-friendly climate. For Texans aiming to launch, expand, or acquire a business in 2025, SBA loans offer essential financial support with favorable terms. This guide covers everything Texas small business owners need to know about SBA loans this year, from the 7(a) and 504 programs to microloans, application steps, preferred lenders, and local resources.

Why Texas Small Businesses Choose SBA Loans

  • Low Down Payments: As little as 10% down for qualified borrowers
  • Flexible Uses: Funding for startups, acquisitions, working capital, equipment, or property
  • Long Repayment Terms: Up to 25 years for real estate
  • Competitive Fixed & Variable Rates: Lower than most private business loans
  • Government Backing: SBA guarantees a portion (typically 50-85%) to reduce lender risk

2025 Market Context for SBA Loans in Texas

In 2025, Texas continues to lead in U.S. job creation and entrepreneurship, with rapidly growing cities like Austin, Dallas, Houston, and San Antonio. The SBA has increased lending limits and streamlined application processes for faster funding, especially for underserved businesses, veterans, and rural entrepreneurs. As interest rates are forecasted to stabilize, SBA-backed loans remain a strategic option for affordable business financing.

Types of SBA Loans Available in Texas

1. SBA 7(a) Loans

The flagship program, ideal for most business purposes: working capital, expansion, equipment, inventory, or acquisition. Maximum loan amount is million in 2025.

Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!

⚡ Key Flexible Funding Options:

GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:

Top Pick

DSCR Rental Loan

Best for: Scaling rental portfolios
★★★★★ 4.8/5 (120 reviews)
Starting rate~7–9%+
Loan amounts$100K – $5M+
Term30 yr fixed / ARMs
Highlights
  • No tax returns required
  • Qualify using rental income (DSCR-based)
  • Fast closings ~3–4 weeks

SBA 7(a) Loan

Best for: Owner-occupied commercial real estate
★★★★★ 4.6/5 (89 reviews)
RatePrime + spread
Loan amounts$350K – $5M+
TermUp to 25 years
Highlights
  • Lower down payments vs banks
  • Long amortization improves cash flow
  • Good if your business occupies 51%+

Bridge Loan

Best for: Fast closing + value-add deals
★★★★☆ 4.4/5 (72 reviews)
RateVaries by deal
Loan amounts$250K – $15M+
Term6–24 months
Highlights
  • Close quickly — move on opportunities
  • Flexible underwriting
  • Great for value-add or transitional assets
Low Rates

SBA 504 Loan

Best for: Large CRE acquisitions & refinancing
★★★★★ 4.7/5 (101 reviews)
RateFixed, low CDC rate
Loan amounts$500K – $12M+
Term10, 20, 25 years
Highlights
  • Low fixed rates through CDC portion
  • Great for construction, expansion, fixed assets
  • Often lower down payment than bank loans

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  • Uses: Acquisitions, startups, working capital, commercial real estate, refinancing, inventory
  • Rates: Prime + 2.25%-3.75% (varies by loan amount/term)
  • Terms: Up to 10 years (working capital), up to 25 years (real estate)
  • SBA Guarantee: Up to 85% for loans ≤ $150,000; up to 75% for larger loans

2. CDC/504 Loans

Designed for major asset or commercial real estate purchases: buy/renovate buildings, large equipment, or land. Combine a bank loan (50%), CDC loan (40%), and borrower down payment (10%).

  • Maximum loan: Up to $5.5 million (CDC portion) in 2025
  • Interest rates: Fixed, based on Treasury yields + fees (5.3%-6.8% typical range)
  • Down payment: 10% (may be 15% for startups or specialized properties)
  • Terms: 10, 20, or 25 years

3. SBA Microloans

Perfect for startups and microbusinesses seeking $5,000 to $50,000. Offered via local non-profits and CDFIs focusing on disadvantaged, minority, and women entrepreneurs.

  • Maximum loan: $50,000
  • Average Amount: $18,000 (Texas 2024 average)
  • Terms: Up to 7 years
  • Interest: Typically 7-13%

4. SBA Express Loans

Faster approval and funding—ideal for working capital, lines of credit, or equipment needs.

  • Maximum amount: $500,000
  • SBA Guarantee: 50%
  • Approval in: 36 hours or less
  • Qualification: Good credit, strong business plan

5. Export Loans

Helps Texas exporters expand globally. Programs include Export Express (up to $500,000), Export Working Capital (up to $5 million), and International Trade Loans (up to $5 million).

SBA Loan Focus: Business Acquisition in Texas (2025 Highlight)

Acquiring an existing business is one of the fastest ways to become an entrepreneur in Texas. In 2025, many retiring Baby Boomers are selling successful businesses throughout the state. SBA 7(a) and 504 loans can finance up to 90% of the purchase price, making the acquisition process more accessible. Commonly financed ventures include restaurants, service companies, manufacturing firms, logistics businesses, and medical/dental practices.

2025 SBA Loan Qualification Criteria

  • Texas Business Registration: Must be an operating, for-profit entity physically located in Texas
  • Credit Score: 680+ for most lenders; 650+ for microloans
  • Owner Equity: Typically 10%-20% down payment or equity injection
  • Business Plan: Required for startups/business acquisition, including pro-forma financials
  • Collateral: Often required for loans above $350,000 but not always mandatory
  • No recent bankruptcies or loan defaults
  • Personal Guarantee: Usually required from 20%+ owners

Step-by-Step: Texas SBA Loan Application Process (2025)

  1. 1. Evaluate Eligibility: Confirm your business meets SBA requirements and state registration.
  2. 2. Prepare Paperwork:
    • Business and personal tax returns (2-3 years)
    • Year-to-date financials (P&L, balance sheet)
    • Business plan (required for startups/acquisitions)
    • Business licenses, formation docs, resumes
    • Lease or purchase agreements (real estate/acquisitions)
    • Collateral documentation (if applicable)
  3. 3. Choose a Texas SBA Preferred Lender: Work with experienced banks or credit unions (see below).
  4. 4. Submit Application: Your lender will guide you through SBA forms (e.g., SBA Form 1919, 413).
  5. 5. Loan Review & Approval: Lender underwrites and seeks SBA guarantee. Some lenders offer express, in-house approval for expedited processing.
  6. 6. Closing & Funding: Once approved, sign loan docs and disbursal typically follows within a week for 7(a)/express, longer for 504 loans.

Top Texas SBA Preferred Lenders for 2025

These banks have strong track records, rapid decisions, and deep Texas market experience:

  • Frost Bank (San Antonio): Leading Texas-headquartered SBA lender, fast 7(a) decisions, strong in business acquisitions.
  • Comerica Bank (Dallas/Houston): Extensive SBA program covering real estate, working capital, and export loans.
  • BBVA USA (now PNC Bank, statewide): High SBA lending volume and tailored solutions for startups and minority owners.
  • Live Oak Bank: National leader, very active in Texas, especially for healthcare, veterinary, and service businesses.
  • Wells Fargo (Statewide): Large SBA loan team in Texas, strength in fast Express loans and healthcare practices.
  • PeopleFund & LiftFund: Nonprofit microlenders specializing in startups, veterans and underserved borrowers throughout Texas.

Realistic Success Stories from Texas Entrepreneurs

  • Dallas Restaurant Acquisition ($750,000 7(a) Loan): A chef used 90% SBA financing to acquire a thriving neighborhood bistro. With a 10% down payment and 10-year term at Prime + 2.5%, they preserved cash flow and tripled profits in two years.
  • Houston Tech Startup ($40,000 Microloan): A software engineer received a microloan from PeopleFund to develop MVP and launch a SaaS platform. Flexible, seven-year repayment and business coaching were included.
  • San Antonio Manufacturing Expansion ($3.5M 504 Loan): A family-run manufacturer purchased a larger facility. With a 10% down payment, their blended 504 rate locked in at 5.7% for 20 years, supporting both job growth and cash reserves.
  • Austin Medical Practice Acquisition ($1.2M 7(a) Loan): Two young doctors acquired an established clinic, fully financed with the help of Wells Fargo’s SBA department and a 15% equity injection.
  • Lubbock Equipment Financing ($160,000 SBA Express): A construction company secured quick funding for new machinery, with approval in 24 hours and a five-year fixed rate.

Texas Local SBA District Office & Resources

  • Texas District SBA Office (Dallas/Fort Worth):

    4300 Amon Carter Blvd, Suite 114, Fort Worth, TX 76155
    Phone: (817) 684-5500

  • Houston District Office: 8701 South Gessner Drive, Suite 1200, Houston, TX 77074 | (713) 773-6500
  • San Antonio District Office: 615 E. Houston St., Suite 298, San Antonio, TX 78205 | (210) 403-5900

SBA offices provide low-cost workshops, individual business counseling, loan prep seminars, and connect you to local SCORE (Service Corps of Retired Executives), Small Business Development Centers (SBDCs), and Women’s Business Centers throughout Texas.

State-Specific Business Incentives and Economic Development in Texas

  • Texas Enterprise Fund (TEF): Grants for qualifying companies creating high-impact jobs
  • Texas Product/Business Fund: Flexible loans for product commercialization and growth
  • Skills Development Fund: Customized workforce training grants for Texas employers
  • Local Tax Incentives: Property tax abatements, franchise tax credits for eligible job creators in many counties
  • Texas Small Business Development Fund: Low-interest loans for new and growing businesses

Frequently Asked Questions (FAQs) – Texas SBA Loans 2025

What if my personal credit is below 680?
You may still qualify through microloan programs or by providing additional collateral or guarantees. Local nonprofits like LiftFund and PeopleFund assist borrowers with challenged credit.
Can I use SBA loans to buy a franchise?
Yes, many lenders fund franchise acquisitions, provided the franchise is on the SBA’s Franchise Directory and you provide the required equity injection.
How long does funding take in Texas?
SBA Express loans: 2-7 days. Standard 7(a): 3-6 weeks. 504: 45-60 days for real estate or construction.

Get Started: Texas SBA Loan Checklist

  • Review your business plan, tax returns, and financials
  • Check Texas Secretary of State records for business standing
  • Contact a preferred SBA lender
  • Connect with your local SBDC/SCORE chapter for guidance
  • Explore state and local incentives to maximize loan proceeds

Ready to fuel your Texas business dream? SBA-backed loans in 2025 offer affordable pathways for acquisitions, startups, expansions, and more. Tap into the state’s thriving economy and connect with financing partners who know Texas. For tailored guidance, contact your regional SBA office or leading lenders today.

Get a No Obligation Quote Today.


 

Helpful Small Business Resources

Use these trusted resources to grow and manage your small business—then connect with GHC Funding to explore financing options tailored to your needs.

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GHC Funding DSCR, SBA & Bridge Loans
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