SBA 7(a) Loans in Houston, TX
Find lenders offering sba 7(a) loans in the Houston, including Sugar Land, The Woodlands, Katy, and surrounding areas. Compare rates, terms, and programs from 176 lenders.
SBA 7(a) Lenders Serving Houston
176 lenders offering sba 7(a) loans in the Houston, TX area.
VelocitySBA, LLC
Local SBAIrving, TX
Non-bank SBA preferred lender specializing exclusively in SBA 7(a) loans for commercial real estate acquisition. Focuses on hotel, gas station, and convenience store financing with a streamlined approval process.
T Bank, National Association
Local SBADALLAS, TX
Texas-based community bank and SBA preferred lender. Specializes in SBA 7(a) loans for commercial real estate acquisition and business expansion, with a focus on hospitality and convenience store industries.
Wallis Bank
Local SBAWALLIS, TX
Texas-based community bank and top SBA lender in the Houston area. Offers SBA 7(a) loans, commercial real estate, and international banking services for small businesses.
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.
Southwestern National Bank
Local SBAHOUSTON, TX
Houston, Texas-based community bank offering SBA 7(a) loans, commercial real estate, and business banking. Serves small businesses in the greater Houston metropolitan area.
Texas Capital Bank
Local SBADALLAS, TX
Dallas-based commercial bank offering SBA 7(a) loans, commercial real estate, treasury management, and specialized lending. Focused on serving Texas businesses with sophisticated financial solutions.
Frost Bank
Local SBASAN ANTONIO, TX
Plains State Bank
Local SBAHUMBLE, TX
PlainsCapital Bank
Local SBADALLAS, TX
Gulf Capital Bank
Local SBAHouston, TX
Global One Bank
Local SBAHouston, TX
First Commercial Bank, National Association
Local SBASEGUIN, TX
American Bank, National Association
Local SBADALLAS, TX
Security State Bank and Trust
Local SBAFREDERICKSBURG, TX
Prosperity Bank
Local SBAEl Campo, TX
Houston Commercial Real Estate Market
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.
SBA 7(a) Loans in Houston, Texas
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In the Houston metro area, borrowers can access 176 lenders offering SBA 7(a) financing, including Sugar Land, The Woodlands, Katy, and surrounding areas. Loan amounts typically range from $25K to $5M with rates from Prime + 1.5% to 3.75%.
Who Should Consider SBA 7(a) Loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
Key Requirements
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
SBA 7(a) Loans in Other Texas Cities
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