SBA Loan Calculator Texas
Calculate SBA loan payments for Texas small businesses. Find the best SBA lenders, rates, and programs available in the Lone Star State.
Texas SBA Loan Market
Market Rank
#2
Texas ranks 2nd nationally in SBA loan volume
Annual Volume
$3.1B+
In SBA 7(a) loans approved annually
Active Lenders
150+
SBA-approved lenders statewide
Texas SBA Loan Examples
See typical SBA loan payments for Texas businesses. These examples reflect current market rates and terms available from Texas SBA lenders.
| Loan Amount | Rate | Term | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|---|---|
| $250,000 | 10.5% | 10 years | $3,303 | $146,360 | $396,360 |
| $500,000 | 10.0% | 15 years | $5,374 | $467,320 | $967,320 |
| $1,000,000 | 9.5% | 20 years | $9,321 | $1,237,040 | $2,237,040 |
| $2,000,000 | 9.25% | 25 years | $17,647 | $3,294,100 | $5,294,100 |
Texas Business SBA Loan Scenarios
Houston Energy Services
$1M for oilfield services equipment
Dallas Tech Startup
$500,000 for technology company expansion
Austin Food Truck Fleet
$300,000 for food truck business
San Antonio Manufacturing
$750,000 for manufacturing facility
Rural Texas Agriculture
$400,000 for agricultural equipment
Border Trade Business
$600,000 for logistics and warehousing
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
Texas SBA Resources & Programs
Texas SBA District Offices
4300 Amon Carter Blvd, Suite 114
Fort Worth, TX 76155
(817) 684-5500
8701 S Gessner Rd, Suite 1200
Houston, TX 77074
(713) 773-6500
615 E Houston St, Suite 298
San Antonio, TX 78205
(210) 403-5900
211 N Florence St, Suite 201
El Paso, TX 79901
(915) 633-7001
Texas-Specific SBA Programs
- • Texas Economic Development: State business incentives
- • SCORE Texas: Free business mentoring statewide
- • Texas SBDC Network: 50+ Small Business Development Centers
- • WBC Texas: Women's Business Centers in major cities
- • PTAC Program: Procurement Technical Assistance
- • Export Assistance: International trade support
- • Disaster Relief: Hurricane and tornado recovery loans
Top SBA Lenders in Texas
These lenders are among the most active SBA 7(a) lenders in Texas by loan volume:
Wells Fargo Bank
Major presence throughout Texas with SBA expertise
JPMorgan Chase
Strong SBA lending in Dallas, Houston, Austin
Bank of America
Significant SBA lending across Texas markets
Live Oak Bank
Specialized SBA lender with Texas focus
Frost Bank
Texas-based bank with strong SBA program
Comerica Bank
Active SBA lender in Texas markets
Texas Business Environment
Advantages
- • 2nd largest economy in the US ($2.4T GDP)
- • No state income tax
- • Business-friendly regulatory environment
- • Diverse economy (energy, tech, agriculture, aerospace)
- • Large skilled workforce
- • Strategic location for trade with Mexico
- • Major ports (Houston, Corpus Christi)
- • Strong infrastructure and transportation
Considerations
- • Competitive business environment
- • Weather risks (hurricanes, tornadoes)
- • Energy sector volatility
- • Rapid population growth straining infrastructure
- • Property taxes can be high in some areas
- • Summer heat affects some industries
- • Border security considerations
Texas Industry Strengths for SBA Loans
Energy Sector
Technology
Agriculture
Aerospace
Manufacturing
Healthcare
Related Texas SBA Resources
Texas SBA 504 Calculator
Calculate SBA 504 payments for Texas commercial real estate purchases.
Calculate SBA 504 Payments →Texas SBA Eligibility
Check if your Texas business qualifies for SBA loans and programs.
Check My Eligibility →Texas Manufacturing Loans
Specialized SBA loan calculator for Texas manufacturing businesses.
Calculate Manufacturing Loans →Ready to Get Your Texas SBA Loan?
Texas offers exceptional opportunities for small businesses with its diverse economy and business-friendly environment. Connect with experienced Texas SBA lenders today.