Best SBA Lenders in Conroe, TX (2026)
2025 FOIA data: top lenders, rates & industries for Conroe SBA loans
SBA Loans in Conroe, Texas
Looking for an SBA loan in Conroe, Texas? Based on 2025 FOIA data, 53 SBA 7(a) loans were funded in Conroe totaling $22.6M, supporting an estimated 524 jobs. With 29 active lenders competing for business in the Conroe market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Conroe is $427K at an average rate of 10.35%. The top lender in Conroe is Truist Bank, with the most-funded industry being Commercial and Industrial Machinery and Equipment (except Automotive a. See all Texas SBA lenders for statewide rankings.
SBA Loans in Conroe by Business Type
Whether you’re starting a new business in Conroe, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 20% of SBA loans in Conroe (14 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 27% (6 loans) — if you’re looking to buy a business in Conroe, this is a proven use case for SBA financing. Existing businesses make up 42% and typically receive the most favorable terms.
Top SBA Lenders in Conroe, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Conroe businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Truist Bank | $3.1M | 1 | 9.5% |
| 2 | Frost Bank | $2.4M | 3 | 8.91% |
| 3 | First Bank of the Lake | $2.2M | 1 | 10.25% |
| 4 | T Bank, National Association | $1.8M | 2 | 10.12% |
| 5 | The Huntington National Bank | $1.8M | 5 | 9.6% |
| 6 | United Community Bank | $1.2M | 1 | 9.5% |
| 7 | Zions Bank, A Division of | $1.2M | 10 | 11.07% |
| 8 | Security State Bank and Trust | $1.0M | 1 | 9% |
| 9 | Texas Capital Bank | $1.0M | 1 | 5.25% |
| 10 | Heritage Bank Inc | $977K | 1 | 10.75% |
The top lenders in Conroe have direct experience with local businesses and understand the Conroe 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 Conroe 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 Conroe
One 5-minute application. 29+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Conroe
These are the industries that received the most SBA 7(a) funding in Conroe 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 |
|---|---|---|
| Commercial and Industrial Machinery and Equipment (except Automotive a | 2 | $3.2M |
| Security Systems Services (except Locksmiths) | 1 | $2.2M |
| Other Support Activities for Road Transportation | 1 | $2.1M |
| Homes for the Elderly | 2 | $1.4M |
| Fitness and Recreational Sports Centers | 3 | $1.2M |
| Other Building Equipment Contractors | 1 | $1.0M |
| General Medical and Surgical Hospitals | 1 | $1.0M |
| Automobile and Other Motor Vehicle Merchant Wholesalers | 1 | $933K |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $823K |
| Water Supply and Irrigation Systems | 1 | $762K |
Lenders with experience funding your specific industry in Conroe 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 Conroe
Option 1: Apply directly to one of the top Conroe 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 Conroe-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
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
