SBA 7(a) Loans in Houston, TX
Estimate payments, explore lenders, and learn market‑specific tips for Houston–The Woodlands–Sugar Land, TX.
SBA 7(a) Loan Calculator
Loan Details
Maximum: $5,000,000
Typical range: 9.5% - 10.5%
Auto-set based on loan purpose (Real Estate: 25 years, Others: 10-15 years)
Quick Select Amount:
SBA 7(a) Loan Key Features
Loan Details
- • Loan amounts up to $5 million
- • Terms up to 25 years for real estate
- • Terms up to 10 years for equipment/working capital
- • SBA guarantees 75-85% of the loan
Typical Rate Structure
- • Loans ≤ $50K: Prime + 3.5% to 4.25%
- • Loans $50K-$250K: Prime + 2% to 2.75%
- • Loans $250K-$5M: Prime + 3% max
- • Rate varies by lender and qualifications
Houston Small Business Snapshot
- Metro: Houston–The Woodlands–Sugar Land, TX
- Estimated small businesses: 500k+
- Top industries: Energy & Services, Healthcare, Construction
- Typical SBA 7(a) loan size: $400,000 – $600,000
Sources: SBA program data, Census/ACS, public lender disclosures. Estimates for content differentiation.
Local Lender Considerations
- • Prioritize lenders active in Houston–The Woodlands–Sugar Land, TX within your industry.
- • Compare rate markups to Prime and fee structures across 2‑3 lenders.
- • For real estate or equipment, ask about 504 vs 7(a) structures.
- • Ensure your business plan includes local market comps and permits.
Get Introduced to Active SBA Lenders
We'll connect you directly with lender partners active in Houston–The Woodlands–Sugar Land, TX. No obligation and quick response.
- • Personalized introductions based on your loan purpose
- • Compare terms from multiple lenders
- • Guidance on documentation and timelines
Houston Business Loan FAQs
What SBA loan types are most common in Houston?
SBA 7(a) is the most widely used in Houston for working capital, business acquisition, and real estate. SBA 504 is common for owner‑occupied real estate and heavy equipment.
What is the average SBA 7(a) loan size in Houston?
Typical funded amounts in Houston–The Woodlands–Sugar Land, TX range around $400,000 – $600,000, but qualification depends on cash flow, collateral, and experience.
How competitive are approvals in Houston?
Many lenders focus on collateral and DSCR given industry cyclicality. Improve odds with strong personal credit, complete documentation, and multiple lender quotes.
Get Matched with Houston SBA Lenders
We can connect you with lender partners active in Houston–The Woodlands–Sugar Land, TX. No obligation.
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