SBA 504 Loans in Houston, TX
Find lenders offering sba 504 loans in the Houston, including Sugar Land, The Woodlands, Katy, and surrounding areas. Compare rates, terms, and programs from 28 lenders.
Which SBA 504 lenders serve Houston?
28 lenders offering sba 504 loans in the Houston, TX area.
Comerica Bank
Local SBADALLAS, TX
Dallas-based major commercial bank offering SBA 7(a) and 504 loans, commercial real estate, equipment financing, lines of credit, and treasury management. One of the 25 largest U.S. banks with nationwide business banking.
North Texas Certified Development Corporation
Local SBAPlano, TX
Plano, Texas-based Certified Development Company providing SBA 504 loans to small businesses in North Texas. Offers long-term, fixed-rate financing for commercial real estate acquisition and construction.
Greater East Texas Certified Development Company
Local SBATyler, TX
Caprock Business Finance Corporation, Inc.
Local SBALubbock, TX
LiftFund, Inc.
Local SBASan Antonio, TX
Alliance Lending Corporation
Local SBAFort Worth, TX
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
What does the Houston commercial real estate market look like?
Houston is the energy capital of the world, with the upstream, midstream, and downstream oil and gas sector forming the backbone of the office and industrial CRE markets, though the city has significantly diversified into healthcare, life sciences, and aerospace. The Texas Medical Center — the world's largest medical complex with over 60 institutions — is a primary driver of medical office, lab, and hospitality demand in the Midtown and Med Center corridors. The Energy Corridor along I-10 West and the Westchase District are established office submarkets for energy companies, while the Port of Houston's industrial complex along the Ship Channel generates massive demand for petrochemical, refining, and logistics facilities. The Katy Freeway corridor and The Woodlands master-planned community are the metro's most active suburban growth nodes for mixed-use and corporate campus development.
Key Economic Drivers
- ●Texas Medical Center, the world's largest medical complex, anchoring healthcare and life sciences CRE demand
- ●Energy sector headquarters including ConocoPhillips, Phillips 66, Baker Hughes, and Halliburton
- ●Port of Houston, the nation's largest port by foreign waterborne tonnage, driving Ship Channel industrial development
- ●NASA Johnson Space Center and the Clear Lake aerospace corridor
Market Insight
Houston has no zoning ordinance, making it the largest U.S. city without traditional zoning — which provides developers greater flexibility in land use but requires careful due diligence on deed restrictions, municipal utility districts, and flood plain regulations.
How do sba 504 loans work in Houston, Texas?
SBA 504 loans provide long-term, fixed-rate financing for major fixed assets like commercial real estate and heavy equipment. The loan is split between a bank (50%), a Certified Development Company (40%), and your down payment (10%), resulting in below-market rates on the CDC portion. In the Houston metro area, borrowers can access 28 lenders offering SBA 504 financing, including Sugar Land, The Woodlands, Katy, and surrounding areas. Loan amounts typically range from $125K to $17M with rates from Below market (CDC portion ~5-6%).
Who should consider sba 504 loans?
- Owner-occupied commercial real estate
- Heavy equipment purchase
- Business expansion
- New construction
What are the key requirements?
- For-profit business
- Net worth under $15M
- Average net income under $5M (after taxes) for prior 2 years
- 51%+ owner occupancy
- Create or retain jobs (1 per $90,000 CDC)
Advantages
- ✓Only 10% down payment
- ✓Below-market fixed rate on CDC portion
- ✓Long terms (20-25 years for RE)
- ✓No balloon payments
Considerations
- •Must be owner-occupied (51%+ for existing, 60%+ for new construction)
- •Cannot be used for working capital
- •Longer closing timeline
- •Two closings (bank + CDC)
SBA 504 Loans in Houston FAQ
How many SBA 504 lenders serve Houston, TX? ▼
What are SBA 504 loan rates in Houston? ▼
What is a Certified Development Company (CDC)? ▼
Can I use SBA 504 for a rental property? ▼
How is the SBA 504 loan structured? ▼
Where else can I find sba 504 loans in Texas?
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