Reduce your costs of funds with reasonable, long-term financing

SBA Backed Loans in Houston, TX

Flexible financing for real estate, equipment, business acquisition, inventory, and more

SBA Loans in Houston, TX

Loan Overview

The Small Business Administration is a United States government agency that specializes in providing support to American small businesses. They work with financial institutions to back several loans the institutions offer. This backing results in lower interest rates and a greater chance of getting approved for the loan. In order to meet the standards to obtain a loan backed by the SBA, your business must be for profit, have a total net worth less than $15 million and an annual net income of less than $5 million. Two primary types of SBA backed loans exist: SBA 7(a) loans and SBA 504 loans.
SBA Loans

Funding Details

SBA 7(a) loans in Houston, TX have a greater application and can help boost working capital. A small business can use an SBA 7(a) loan to cover payroll costs, operating expenses and the launch of new projects. They have lower borrowing limits than SBA 504 loans, but a greater range of applications. SBA 504 loans in Houston, TX only apply to the purchase or lease of property and/or equipment. However, they have higher borrowing limits to help businesses obtain these generally more expensive assets. For both types of loans, the government backing keeps the interest rates low. Specific interest rates vary depending on the type of loan and credit rating of the borrower.

SBA 7(a)

The Small Business Administration does not directly offer SBA 7(a) loans. Instead, they merely act as a co-signer on the loan along with the small business owner. You can obtain an SBA 7(a) loan from a number of financial institutions such as banks, credit unions and other private lenders. With a lower limit on the loan size, you can use the funds acquired from a 7(a) to boost working capital.

SBA 504

A small business can obtain an SBA 504 through a certified development company, or CDC. 504 loans only cover the cost of real estate or equipment, making them ideal when launching a small business. With this loan, the CDC will provide 50 percent of the loan, the SBA will provide 40 percent and your small business will cover the last 10 percent.


The Small Business Administration (SBA) offers loans that can help small businesses begin their endeavor, including a new construction process. The SBA offers many advantages including low-interest rates.


Is Financing Right for Your Business?

Financing empowers your business by allowing you to retain cash for operating expenses while moving ahead on major projects. Finding the right funding is often about matching your business plan with the right lenders.


When is a Small Business Administration Loan Right for Me?
Since SBA loans have lower interest rates, many small businesses should see if they can obtain one when looking for financing. When in need of financial support, contact one of our loan brokers and we will help you get the best financing option available to you.
Can I use an SBA Loan to Launch a Business?
Unfortunately, many SBA loans require some record of business history in order to obtain approval for a loan. This means that many startups cannot get SBA loans until after they have three years of ongoing revenue.

Advantages of

SBA Loans

Designed specifically for small businesses

Lower interest rates than traditional loans

Government backing results in a greater chance of approval