SBA lending data · fiscal year 2025

67 lenders funded limited-service restaurants in Texas last year

203 SBA 7(a) loans approved under NAICS 722513. Median approval $470,000, median term 120 months, median initial rate 10%.

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What was actually approved

203
loans approved
67
distinct lenders
$200k
25th percentile
$761k
75th percentile

Half of all approvals in this industry and state fell between $200,000 and $760,700. 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. 1The Huntington National Bank50 loans · $16.9M
  2. 2Newtek Bank, National Association15 loans · $4.6M
  3. 3Northeast Bank10 loans · $1.5M
  4. 4Live Oak Banking Company9 loans · $16.8M
  5. 5Hancock Whitney Bank6 loans · $6.5M
  6. 6The Bancorp Bank National Association6 loans · $2.8M
  7. 7Celtic Bank Corporation6 loans · $9.4M
  8. 8Capital One National Association5 loans · $7M
  9. 9Metro City Bank5 loans · $4.1M
  10. 10Frost Bank4 loans · $1.9M
  11. 11Readycap Lending, LLC4 loans · $1.8M
  12. 12Byline Bank4 loans · $3.8M

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
FY202318977$400,000
FY202417672$473,250
FY202520367$470,000

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

Limited-Service Restaurants in other states

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