SBA Loan Texas: Financing for Owner-Occupied Business Property
An SBA loan is a government-guaranteed business loan that helps Texas companies buy owner-occupied commercial real estate, equipment, and working capital through approved lenders. Liberty Home Mortgage guides Texas business owners through SBA 7(a) and 504 options. Call 972-466-2551 to review available programs for your business.
How SBA Loans Work for Texas Businesses
- Access to multiple wholesale and commercial lending relationships for SBA and conventional business financing.
- Guidance on the SBA application, documentation, and closing process from an experienced Texas broker.
- Owner-occupied commercial real estate expertise, including special-use properties.
- Local Lewisville team with direct phone access to a real loan officer.
- Options to combine SBA financing with conventional or portfolio structures where appropriate.
What an SBA Loan Is
An SBA loan is a business loan partially guaranteed by the U.S. Small Business Administration. The SBA does not lend money directly. Instead, approved banks and lenders make the loan, and the SBA guarantees a portion of it, which reduces the lender's risk and helps small businesses qualify.
For standard 7(a) loans, the SBA guarantees 85% of loans of $150,000 or less and 75% of larger loans, up to a $5 million maximum per loan. Effective July 2026, a qualified business can hold up to $5 million in 7(a) financing plus a separate $5 million in 504 loans, for up to $10 million in combined SBA-backed debt. You can review current programs on the official SBA loan programs page.
SBA Loan Programs for Texas Owners
The 7(a) program is the SBA's most flexible option. Proceeds can fund owner-occupied real estate, equipment, working capital, business acquisition, and debt refinancing, with terms up to 25 years for real estate.
The 504 program finances fixed assets through a two-lender structure: roughly 50% from a bank, 40% from a Certified Development Company, and 10% down from the borrower. The business must occupy at least 51% of an existing building or 60% of new construction.
Who May Qualify for an SBA Loan
Generally, the business must be for-profit, operate in the United States, and meet SBA size standards. For real estate projects, the business must occupy the majority of the property. Owners of 20% or more typically must personally guarantee the loan, and the business must show creditworthiness, sound management, and a feasible plan for repayment.
SBA financing suits businesses with strong cash flow that lack the collateral or down payment conventional lenders require. Startups and special-use properties such as hotels, gas stations, and restaurants are often good SBA candidates.
SBA loan guidance for Texas businesses, including owner-occupied commercial real estate in Lewisville, Denton County, and the Dallas-Fort Worth metro.
Commercial loan options for business owners across the United States, subject to property eligibility, borrower qualification, and lender requirements.
DSCR and business-purpose investment loan options in 38 states where available and confirmed. Not all programs are available in all areas.
Common Questions About SBA Loans in Texas
An SBA loan is a business loan partially guaranteed by the Small Business Administration and issued through approved lenders. The guarantee reduces lender risk and helps small businesses qualify for financing they could not obtain on reasonable terms elsewhere.
No. The SBA guarantees a portion of loans made by approved banks, credit unions, and lending partners. You apply through the lender, not the SBA.
SBA 7(a) funds can be used for owner-occupied commercial real estate, equipment, working capital, business acquisition, and debt refinancing. SBA 504 funds are limited to fixed assets such as owner-occupied real estate and major equipment.
The 7(a) program allows up to $5 million per loan. As of July 2026, a business can hold up to $5 million in 7(a) loans plus a separate $5 million in 504 financing, for up to $10 million in combined SBA-backed debt.
Generally, a for-profit U.S. business that meets SBA size standards, occupies the financed property, shows creditworthiness and ability to repay, and cannot obtain the credit on reasonable terms from non-government lenders.
Timelines vary by program and complexity. Standard 7(a) loans often close in 45 to 75 days, while 504 projects with two lenders can take 60 to 120 days. SBA Express offers faster turnaround for loans up to $500,000.
Own your business property instead of leasing it?
Call 972-466-2551 or Apply Online to review SBA and commercial financing options for your Texas business.
Written by Aslam Mansoor — Loan Officer, Liberty Home Mortgage | NMLS 184238 | Company NMLS 321164
Aslam has helped Texas business owners structure SBA and commercial financing for owner-occupied properties across DFW. Read more on his bio page or meet the team on Our Staff. Verify licenses at NMLS Consumer Access.