SBA lending data · fiscal year 2025

44 lenders funded child care services in Texas last year

131 SBA 7(a) loans approved under NAICS 624410. Median approval $400,000, median term 120 months, median initial rate 9.75%.

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What was actually approved

131
loans approved
44
distinct lenders
$150k
25th percentile
$1027k
75th percentile

Half of all approvals in this industry and state fell between $150,000 and $1,027,450. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.

The most active lenders

Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.

  1. 1Newtek Bank, National Association12 loans · $11.1M
  2. 2Readycap Lending, LLC11 loans · $18.8M
  3. 3The Huntington National Bank8 loans · $5.9M
  4. 4Frost Bank7 loans · $5.1M
  5. 5First Bank of the Lake7 loans · $8.9M
  6. 6Northeast Bank6 loans · $0.8M
  7. 7Live Oak Banking Company5 loans · $8.8M
  8. 8First National Bank of Pennsylvania4 loans · $6.1M
  9. 9Wells Fargo Bank National Association4 loans · $1.2M
  10. 10BayFirst National Bank4 loans · $0.8M
  11. 11Zions Bank, A Division of4 loans · $0.8M
  12. 12PlainsCapital Bank4 loans · $0.5M

This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.

Is this industry getting easier or harder to finance?

Fiscal yearLoansLendersMedian approval
FY20238439$660,800
FY202411450$479,500
FY202513144$400,000

Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.

Where this comes from

The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.

This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.

Other industries in Texas

Child Care Services in other states

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