USDA Business Loans in San Antonio, TX
Find lenders offering usda business loans in the San Antonio, including New Braunfels, Schertz, Boerne, and surrounding areas. Compare rates, terms, and programs from 4 lenders.
Which USDA lenders serve San Antonio?
4 lenders offering usda business loans in the San Antonio, TX area.
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.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Stone Bank
SBAMOUNTAIN VIEW, AR
Arkansas-based bank specializing in government-guaranteed lending including SBA, FSA, and USDA business loans. Offers nationwide lending with expertise in SBA 7(a) financing for small business acquisitions and real estate.
FFB Bank
SBAFRESNO, CA
Fresno, California-based community bank offering SBA 7(a) loans, commercial real estate, agricultural lending, and business banking. Serves California's Central Valley and beyond.
What does the San Antonio commercial real estate market look like?
San Antonio's CRE market is shaped by a large military presence, a booming biosciences sector, and a tourism economy driven by the Alamo, the River Walk, and convention activity. Joint Base San Antonio — encompassing Fort Sam Houston, Lackland AFB, and Randolph AFB — is the city's largest employer and supports significant off-base commercial and hospitality demand in the surrounding corridors. The South Texas Medical Center on Fredericksburg Road is one of the largest medical employment concentrations in the state, generating sustained demand for medical office and life sciences space. The I-35 corridor north toward New Braunfels and the 1604 Loop suburban ring are the primary growth areas for retail, industrial, and multifamily development, while the Pearl Brewery district has become a nationally recognized adaptive reuse success story.
Key Economic Drivers
- ●Joint Base San Antonio (Fort Sam Houston, Lackland, Randolph), the largest joint military installation in the U.S.
- ●South Texas Medical Center corridor including UT Health San Antonio, Methodist Healthcare, and Christus Health
- ●Toyota Motor Manufacturing Texas truck plant and associated supplier network on the south side
- ●Tourism and convention economy anchored by the River Walk, Alamo, and the Henry B. Gonzalez Convention Center
Market Insight
San Antonio's cybersecurity industry has grown significantly due to the military's cyber operations presence at Lackland AFB and Port San Antonio, creating a specialized demand for secure office space and data center facilities in the surrounding corridors.
How do usda business loans work in San Antonio, Texas?
USDA Business & Industry (B&I) loans are lender-made, government-guaranteed loans for businesses in eligible rural areas. They can cover real estate, equipment, business acquisition, and working capital, with terms tied to use of proceeds and underwriting that looks a lot like a bank loan plus USDA eligibility. In the San Antonio metro area, borrowers can access 4 lenders offering USDA financing, including New Braunfels, Schertz, Boerne, and surrounding areas. Loan amounts typically range from $50K to $10M with rates from Fixed or variable, negotiated with lender.
Who should consider usda business loans?
- Rural owner-user businesses
- Food processing and manufacturing
- Business acquisition in eligible rural areas
- Equipment, real estate, and working capital needs
What are the key requirements?
- Project generally in an eligible rural area outside cities or towns above 50,000
- Tangible balance sheet equity typically at least 10% existing / 20% new business
- Good credit history and repayment ability
- Collateral and lender support strong enough for a USDA guarantee
Advantages
- ✓FY2026 guarantee up to 85% on loans under $5M
- ✓Long terms, up to 30 years on real estate
- ✓Can cover real estate, equipment, acquisition, and working capital
- ✓Rates are negotiated with the lender, not set by USDA
Considerations
- •Project must be in an eligible rural area
- •No lines of credit or rental housing
- •Full lender underwriting plus USDA review
- •Smaller lender pool than SBA
USDA Business Loans in San Antonio FAQ
How many USDA lenders serve San Antonio, TX? ▼
What are USDA loan rates in San Antonio? ▼
What qualifies as a rural area for USDA loans? ▼
Can USDA Business & Industry loans be used for working capital? ▼
What is the USDA guarantee percentage in 2026? ▼
How long can a USDA business loan term run? ▼
Where else can I find usda business loans in Texas?
Find USDA Lenders in San Antonio
Get matched with lenders offering usda business loans in the San Antonio, TX area. Free for borrowers.
Get Matched — Free →