Best SBA Lenders in Round Rock, TX (2026)
2025 FOIA data: top lenders, rates & industries for Round Rock SBA loans
SBA Loans in Round Rock, Texas
Looking for an SBA loan in Round Rock, Texas? Based on 2025 FOIA data, 65 SBA 7(a) loans were funded in Round Rock totaling $36.4M, supporting an estimated 592 jobs. With 33 active lenders competing for business in the Round Rock market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Round Rock is $560K at an average rate of 10.13%. The top lender in Round Rock is The Huntington National Bank, with the most-funded industry being Fitness and Recreational Sports Centers. See all Texas SBA lenders for statewide rankings.
SBA Loans in Round Rock by Business Type
Whether you’re starting a new business in Round Rock, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 23% of SBA loans in Round Rock (21 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 12% (6 loans) — if you’re looking to buy a business in Round Rock, this is a proven use case for SBA financing. Existing businesses make up 25% and typically receive the most favorable terms.
Top SBA Lenders in Round Rock, TX (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Round Rock businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | $9.6M | 11 | 9.82% |
| 2 | Live Oak Banking Company | $5.4M | 4 | 8.91% |
| 3 | GBank | $4.3M | 1 | 8.5% |
| 4 | Cadence Bank | $3.0M | 5 | 10% |
| 5 | Sunflower Bank National Association | $2.2M | 1 | 7.5% |
| 6 | United FCU | $1.1M | 1 | 9.5% |
| 7 | Texas Capital Bank | $893K | 1 | 7.5% |
| 8 | Byline Bank | $880K | 1 | 10.5% |
| 9 | JPMorgan Chase Bank, National Association | $878K | 2 | 8.25% |
| 10 | City National Bank of Florida | $848K | 1 | 10% |
The top lenders in Round Rock have direct experience with local businesses and understand the Round Rock 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 Round Rock 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 Round Rock
One 5-minute application. 33+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Round Rock
These are the industries that received the most SBA 7(a) funding in Round Rock 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 |
|---|---|---|
| Fitness and Recreational Sports Centers | 5 | $4.5M |
| Hotels (except Casino Hotels) and Motels | 1 | $4.3M |
| General Automotive Repair | 3 | $3.5M |
| Lessors of Miniwarehouses and Self-Storage Units | 1 | $3.4M |
| Limited-Service Restaurants | 6 | $2.2M |
| Painting and Wall Covering Contractors | 3 | $2.0M |
| Full-Service Restaurants | 3 | $1.7M |
| Snack and Nonalcoholic Beverage Bars | 4 | $1.4M |
| Other Personal Care Services | 2 | $1.1M |
| Caterers | 1 | $450K |
Lenders with experience funding your specific industry in Round Rock 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 Round Rock
Option 1: Apply directly to one of the top Round Rock 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 Round Rock-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.
