Best SBA Lenders in Texas (2026)
Compare sba lenders serving Texas real estate investors. Browse nationwide sba lenders available to Texas investors.
Investing in Texas
No state income tax, massive population growth, business-friendly environment. Austin, Dallas, Houston, and San Antonio each offer different investment profiles. High property taxes (2-3%) offset the income tax advantage.
Key Markets
Typical Rates
5.5%–8.0%
Max LTV
80%–90%
Typical Terms
10–25 years
Min Credit
680+
About SBA Loans in Texas
Small Business Administration-backed loans (SBA 504 and 7(a)) for owner-occupied commercial real estate. Low down payments (10%) and competitive rates for investors who operate a business from the property.
Texas real estate investors use sba loans for investors who will occupy 51%+ of the property and mixed-use property buyers (business + rental units). Texas's lack of state income tax makes rental property returns even more attractive when combined with sba financing.
Other Loan Types in Texas
SBA Lenders in Nearby States
Analyze Your Texas Deal
Use our free calculator to see if your Texas investment works with SBA financing.