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Texas · Small business funding

SBA 7(a) Loans in Texas

Government-backed loans for Texas small businesses, with low down payments and long terms for working capital, business acquisitions, owner-occupied real estate and debt refinancing.

Loan size$25K–$5MM
Rates fromPrime + 0.75%
Term5–25 years
Min credit650
Texas SBA 7(a) loans$25K–$5MM · Prime + 0.75%2,000+ capital partners

SBA 7(a) Loans in Texas

Win-Win Capital Funding arranges SBA 7(a) loans for Texas businesses through our SBA lender network, so you can compare offers side by side. Prequalifying doesn't affect your credit.

Texas SBA 7(a) loan programs

UseLeverage / amountTerm
Working capitalUp to $5MMUp to 10 years
Business acquisition / partner buyoutOften 10% downUp to 10 years
Owner-occupied real estateUp to 90% LTV, more on some dealsUp to 25 years
Equipment & improvementsUp to $5MMUp to 10 years
Debt refinanceUp to $5MMMatches the use

What we finance in Texas

  • Working capital and inventory
  • Buying a business or a partner buyout
  • Owner-occupied commercial real estate, including RV parks, hotels and gas stations
  • Equipment and improvements
  • Refinancing higher-cost business debt
  • Startups with industry experience

Areas we serve in Texas

  • Austin
  • Dallas
  • Fort Worth
  • Houston
  • San Antonio

We also lend in suburban, rural and resort markets throughout Texas.

More Texas financing

Fix & flip loans in Texas · Hard money in Texas · RV park financing in Texas · Business HELOC in Texas · Business second mortgage in Texas · DSCR Loans in Texas · Bridge Loans in Texas · Ground-Up Construction Loans in Texas

Investors in nearby states can see SBA 7(a) Loans in New Mexico, SBA 7(a) Loans in Oklahoma, SBA 7(a) Loans in Arkansas, SBA 7(a) Loans in Louisiana.

Business funding is arranged through Win-Win Capital Funding's lender network. Rates, terms and amounts depend on credit, time in business, revenue and collateral, and all financing is subject to lender approval and SBA rules. This is not a commitment to lend.

Questions

SBA 7(a) Loans in Texas: FAQ

Who qualifies for an SBA 7(a) loan in Texas?

For-profit Texas small businesses. A 650 credit score is the minimum (700+ preferred), owners of 20% or more personally guarantee, and startups are considered with industry experience.

How long does an SBA loan take in Texas?

As fast as 2 weeks with a complete file; many take 30–60 days.

What's the down payment on a Texas SBA loan?

Often 10% or less, and up to 100% financing on some deals.

Can I buy commercial real estate in Texas with SBA 7(a)?

Yes, if your business occupies it. Owner-operated properties such as RV parks, hotels and gas stations qualify.

Keep exploring

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