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Texas is the second-largest SBA lending market in the nation, with over $11 billion in annual SBA loan approvals. The Lone Star State's explosive population growth, no state income tax, and business-friendly regulatory environment make it one of the strongest markets for SBA financing anywhere. Whether you're acquiring a boutique hotel in downtown Dallas, purchasing a medical office in the Houston Medical Center, building out a franchise in Austin, or financing multi-family property in San Antonio, FundMySBA connects you with lenders who specialize in Texas markets.
Our network includes over 300 SBA-approved lenders covering every major Texas metro and beyond. No state income tax means stronger cash flow projections and better debt service coverage ratios, giving Texas borrowers a built-in advantage in SBA underwriting. From the DFW Metroplex to the Gulf Coast, from the Hill Country to the Rio Grande Valley, we serve every Texas market.
Boutique hotels, resorts, and hospitality properties across Texas metros. SBA 504 + 7(a) stacking up to $16.25M.
Office buildings, retail space, mixed-use, and owner-occupied commercial property. 10% down with SBA 504 across Texas.
Practice acquisitions, medical office buildings, equipment financing, and ambulatory surgery centers. Texas medical corridors are booming.
Apartment buildings, 5-50 unit properties, owner-occupied multi-family in Dallas, Houston, Austin, and San Antonio growth markets.
Franchise buildout, multi-unit expansion, equipment, and real estate for SBA-approved franchise brands across Texas.
Buy an existing business with SBA 7(a). Covers goodwill, assets, real estate, and working capital for Texas acquisitions.
Texas businesses can access SBA 7(a) loans up to $5M for working capital, equipment, and acquisitions; SBA 504 loans up to $5.5M for commercial real estate and heavy equipment with fixed rates and 10% down; SBA Express loans up to $500K with 36-hour approval; and SBA Microloans up to $50K for startups. Texas consistently ranks in the top 3 states for total SBA lending volume.
Pre-qualification through FundMySBA takes 90 seconds. Answer 4 simple questions about your business and funding needs, and we instantly match you with SBA-approved lenders in Texas. No credit check required for pre-qualification.
Most for-profit Texas businesses qualify, including hotels and hospitality, commercial real estate, medical and dental practices, franchise operations, multi-family properties, energy services, technology, professional services, manufacturing, restaurants, and retail. Texas's diversified economy supports SBA lending across virtually every sector.
Absolutely. Texas has no state income tax, which means business owners keep more of their revenue. This directly improves the debt service coverage ratio (DSCR) that lenders evaluate during SBA underwriting, giving Texas borrowers a significant competitive advantage in loan approvals compared to high-tax states.
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