BlogRankingCityBest Houston, TX SBA Lenders & Rates of 2026

Best Houston, TX SBA Lenders & Rates of 2026

February 2, 2026
City, Ranking
3 min read

Best Houston, TX SBA Lenders & Rates of 2026

$388.1M
Total Funded

613
Loans Approved

$633K
Avg Loan Size

10.15%
Avg Interest Rate

97
Active Lenders

SBA Loans in Houston, TX

Houston, TX businesses received $388.1M in SBA 7(a) loan approvals across 613 businesses in 2025. With 97 active SBA lenders competing for business in Houston, understanding which banks offer the best rates can save you tens of thousands of dollars.

💡 Key Insight: The average SBA loan in Houston is $633K, with rates averaging 10.15%. Rates vary significantly by lender—comparing offers can save you $50,000+ over the life of your loan.

Houston SBA Loans by Business Type

🚀 Startups
29%
$132.9M • 175 loans

🏢 Existing Businesses
63%
$190.8M • 389 loans

🔄 Acquisitions
8%
$64.4M • 49 loans

Top SBA Lenders in Houston, TX (2025)

Based on official SBA data analyzed by GoSBA Loans, these are the banks that funded the most SBA 7(a) loans to Houston businesses:

Rank Lender Volume Loans Avg Rate
1 Texas Capital Bank $20.0M 12 7.06%
2 Frost Bank $16.0M 13 9.27%
3 Comerica Bank $16.0M 21 8.71%
4 Zions Bank, A Division of $14.6M 59 10.63%
5 Newtek Bank, National Association $13.5M 42 11.21%
6 Live Oak Banking Company $12.9M 16 9.56%
7 US Metro Bank $12.7M 3 8.42%
8 Wallis Bank $12.6M 17 9.10%
9 Metro City Bank $11.2M 8 8.31%
10 JPMorgan Chase Bank, National Association $11.1M 27 10.05%
11 Colony Bank $10.1M 4 10.44%
12 b1BANK $10.1M 9 9.94%
13 Regions Bank $9.9M 8 9.78%
14 Global One Bank $9.8M 6 8.96%
15 Wells Fargo Bank National Association $9.6M 13 10.03%
16 Northeast Bank $9.6M 60 10.94%
17 PlainsCapital Bank $9.3M 14 9.75%
18 Stellar Bank $9.0M 6 8.83%
19 The Huntington National Bank $8.9M 22 9.55%
20 Cadence Bank $6.4M 14 10.21%
21 First Internet Bank of Indiana $6.2M 4 9.94%
22 Climate First Bank $6.1M 3 10.25%
23 Hancock Whitney Bank $5.4M 4 9.44%
24 T Bank, National Association $5.3M 4 9.25%
25 Bank of America, National Association $5.2M 8 8.15%
26 Pathward National Association $5.0M 2 10.25%
27 Milestone Bank $5.0M 1 9.00%
28 Bank of Hope $4.8M 12 9.52%
29 Harvest Small Business Finance, LLC $4.8M 5 10.00%
30 Academy Bank National Association $4.7M 1 8.50%
31 Lendistry SBLC, LLC $4.6M 23 12.12%
32 Port 51 Lending LLC $4.3M 2 9.75%
33 Fifth Third Bank $4.3M 2 7.00%
34 American Bank $4.3M 2 10.50%
35 Open Bank $4.2M 1 8.50%
36 Enterprise Bank & Trust $4.2M 1 7.50%
37 Susser Bank $4.2M 3 9.00%
38 Gulf Capital Bank $3.9M 4 9.44%
39 First Savings Bank $3.8M 3 10.17%
40 GBank $3.5M 2 8.88%
41 Glacier Bank $3.4M 3 8.67%
42 SouthState Bank, National Association $3.0M 2 8.69%
43 Capital Bank, National Association $2.7M 3 10.25%
44 Readycap Lending, LLC $2.7M 25 12.92%
45 Woori America Bank $2.6M 2 9.13%
46 The MINT National Bank $2.4M 1 7.50%
47 BOM Bank $2.3M 1 9.50%
48 Shoreham Bank $2.0M 1 9.75%
49 Southwestern National Bank $1.8M 3 9.08%
50 Hanmi Bank $1.8M 1 9.00%

Top Industries in Houston

Here are the industries that received the most SBA funding in Houston:

Full-Service Restaurants

$15.0M
Volume

23
Loans

General Automotive Repair

$13.9M
Volume

16
Loans

Engineering Services

$11.5M
Volume

8
Loans

Limited-Service Restaurants

$9.5M
Volume

13
Loans

Industrial Valve Manufacturing

$7.0M
Volume

2
Loans

Home Health Care Services

$6.3M
Volume

7
Loans

Other Computer Related Services

$6.0M
Volume

6
Loans

SBA Loans in Texas

Houston is part of Texas‘s SBA lending market. For statewide data and more lender options, see our full Texas SBA Lenders guide.

🤝 Why Use an SBA Broker in Houston?

GoSBA Loans helps Houston businesses access the best SBA lenders:

  • Access 97+ lenders — including many that don’t accept direct applications
  • Local market expertise — we know which lenders are most active in Houston
  • Rate comparison — get competing offers to secure the best terms
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Houston SBA Loan

Our team has helped hundreds of Houston businesses secure SBA financing. Let us match you with the right lender.

Looking for SBA loan help in Houston? GoSBA Loans is a trusted SBA loan broker serving businesses in Houston and across Texas. Contact our Houston SBA specialists today for a free consultation.

Explore More SBA Markets

http://gosbaloans.com

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.

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