Best SBA Lenders in Schertz, TX (2026)
2025 FOIA data: top lenders, rates & industries for Schertz SBA loans
SBA Loans in Schertz, Texas
Looking for an SBA loan in Schertz, Texas? Based on 2025 FOIA data, 13 SBA 7(a) loans were funded in Schertz totaling $18.8M, supporting an estimated 206 jobs. With 11 active lenders competing for business in the Schertz market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Schertz is $1.4M at an average rate of 10.01%. The top lender in Schertz is Fifth Third Bank, with the most-funded industry being General Freight Trucking, Long-Distance, Less Than Truckload. See all Texas SBA lenders for statewide rankings.
SBA Loans in Schertz by Business Type
Whether you’re starting a new business in Schertz, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 43% of SBA loans in Schertz (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 22% (2 loans) — if you’re looking to buy a business in Schertz, this is a proven use case for SBA financing. Existing businesses make up 8% and typically receive the most favorable terms.
Top SBA Lenders in Schertz, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Schertz businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Fifth Third Bank | $6.4M | 2 | 7% |
| 2 | Pathward National Association | $5.0M | 1 | 9% |
| 3 | First Bank of Central Ohio | $5.0M | 1 | 9% |
| 4 | City National Bank of Florida | $694K | 1 | 10.25% |
| 5 | Live Oak Banking Company | $650K | 1 | 8.99% |
| 6 | Northeast Bank | $282K | 2 | 11.38% |
| 7 | First United Bank and Trust Company | $166K | 1 | 10.25% |
| 8 | BayFirst National Bank | $150K | 1 | 12.25% |
| 9 | Celtic Bank Corporation | $150K | 1 | 10.5% |
| 10 | CenTrust Bank, A Division of SmartBiz Bank National Associat | $150K | 1 | 12% |
The top lenders in Schertz have direct experience with local businesses and understand the Schertz market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Schertz and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Schertz
One 5-minute application. 11+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Schertz
These are the industries that received the most SBA 7(a) funding in Schertz in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| General Freight Trucking, Long-Distance, Less Than Truckload | 2 | $10.0M |
| Offices of Dentists | 2 | $6.4M |
| Power and Communication Line and Related Structures Construction | 1 | $694K |
| Limited-Service Restaurants | 1 | $650K |
| Other Scientific and Technical Consulting Services | 1 | $250K |
| Full-Service Restaurants | 1 | $166K |
| Insurance Agencies and Brokerages | 1 | $150K |
| Solar Electric Power Generation | 1 | $150K |
| Nail Salons | 1 | $150K |
| Landscaping Services | 1 | $100K |
Lenders with experience funding your specific industry in Schertz understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Schertz
Option 1: Apply directly to one of the top Schertz lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Schertz-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
How many SBA loans were funded in Schertz in 2025?
Can I get an SBA loan to start a business in Schertz?
Who is the top SBA lender in Schertz?
What is the average SBA loan rate in Schertz?
Ready to Apply for an SBA Loan in Schertz?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
