The state desk · 92 city profiles

Small business loans
in Texas.

Research the financing route before making the application. Compare state capital support with SBA financing and conventional business loans using official program references.

Start with the administrator, then the provider

The Treasury portfolio below identifies Texas SSBCI programs and their listed administrators. Program support may work through participating lenders or investors. An entry in this portfolio establishes a documented program; it does not establish that intake is open today or that a particular business qualifies.

Prepare your operating address, legal entity, use of funds and recent cash-flow records. Ask which provider serves the address, which costs are eligible, whether owner capital is required, and how the proposed financing must be repaid. A state portfolio is not a list of guaranteed grants.

Texas capital-support portfolio

Treasury program summary checked 2026-10-09; confirm current rules and availability with the administrator.
ProgramStructureAdministrator
Texas Small Business Credit Initiative Capital Access Program
Capital Access
Texas Economic Development Bank
Texas Small Business Credit Initiative Loan Guarantee Program
Loan Guarantee
Texas Economic Development Bank
Texas Small Business Credit Initiative Loan Participation Program
Loan Participation
Texas Economic Development Bank

Read the Treasury Texas program summary

Compare the route with the business need

A working-capital request should explain when customers pay and how the cash gap closes. Equipment financing should include installation, maintenance and the asset's useful life. A property or business acquisition needs a different budget and document package. The financing structure should follow that evidence.

SBA 7(a) loans, business lines of credit and equipment financing have different terms and underwriting requirements. Use the business loan calculator to model a written quote, then test a slower-collection case.

Official program entry points

Find an SBA resource partner by operating location

City financing profiles in Texas

The directory covers selected Census places, not every community in the state. County business counts and their boundaries are explained in each profile.

Texas

Houston

2,397,315 residents · 2025 estimate

Read the financing profile

Texas

San Antonio

1,548,422 residents · 2025 estimate

Read the financing profile

Texas

Dallas

1,329,491 residents · 2025 estimate

Read the financing profile

Texas

Fort Worth

1,028,117 residents · 2025 estimate

Read the financing profile

Texas

Austin

1,002,632 residents · 2025 estimate

Read the financing profile

Texas

El Paso

683,012 residents · 2025 estimate

Read the financing profile

Texas

Arlington

402,134 residents · 2025 estimate

Read the financing profile

Texas

Corpus Christi

317,247 residents · 2025 estimate

Read the financing profile

Texas

Plano

293,028 residents · 2025 estimate

Read the financing profile

Texas

Lubbock

273,071 residents · 2025 estimate

Read the financing profile

Texas

Laredo

269,515 residents · 2025 estimate

Read the financing profile

Texas

Irving

257,076 residents · 2025 estimate

Read the financing profile

Texas

Garland

249,625 residents · 2025 estimate

Read the financing profile

Texas

Frisco

236,955 residents · 2025 estimate

Read the financing profile

Texas

McKinney

236,001 residents · 2025 estimate

Read the financing profile

Texas

Grand Prairie

209,434 residents · 2025 estimate

Read the financing profile

Texas

Amarillo

205,130 residents · 2025 estimate

Read the financing profile

Texas

Brownsville

192,957 residents · 2025 estimate

Read the financing profile

Texas

Denton

169,431 residents · 2025 estimate

Read the financing profile

Texas

Killeen

161,883 residents · 2025 estimate

Read the financing profile

Texas

Mesquite

150,693 residents · 2025 estimate

Read the financing profile

Texas

McAllen

150,640 residents · 2025 estimate

Read the financing profile

Texas

Pasadena

148,539 residents · 2025 estimate

Read the financing profile

Texas

Waco

147,788 residents · 2025 estimate

Read the financing profile

Texas

Midland

147,615 residents · 2025 estimate

Read the financing profile

Texas

Round Rock

141,282 residents · 2025 estimate

Read the financing profile

Texas

Lewisville

139,006 residents · 2025 estimate

Read the financing profile

Texas

Carrollton

134,562 residents · 2025 estimate

Read the financing profile

Texas

Abilene

131,588 residents · 2025 estimate

Read the financing profile

Texas

Pearland

129,930 residents · 2025 estimate

Read the financing profile

Texas

College Station

127,472 residents · 2025 estimate

Read the financing profile

Texas

Odessa

122,707 residents · 2025 estimate

Read the financing profile

Texas

New Braunfels

122,492 residents · 2025 estimate

Read the financing profile

Texas

League City

119,905 residents · 2025 estimate

Read the financing profile

Texas

Conroe

119,564 residents · 2025 estimate

Read the financing profile

Texas

Richardson

118,542 residents · 2025 estimate

Read the financing profile

Texas

Tyler

113,723 residents · 2025 estimate

Read the financing profile

Texas

Allen

113,447 residents · 2025 estimate

Read the financing profile

Texas

Beaumont

112,967 residents · 2025 estimate

Read the financing profile

Texas

Edinburg

110,700 residents · 2025 estimate

Read the financing profile

Texas

Sugar Land

107,726 residents · 2025 estimate

Read the financing profile

Texas

Georgetown

106,907 residents · 2025 estimate

Read the financing profile

Texas

Wichita Falls

101,951 residents · 2025 estimate

Read the financing profile

Texas

San Angelo

100,640 residents · 2025 estimate

Read the financing profile

Texas

Temple

98,412 residents · 2025 estimate

Read the financing profile

Texas

Bryan

91,996 residents · 2025 estimate

Read the financing profile

Texas

Leander

91,132 residents · 2025 estimate

Read the financing profile

Texas

Mission

88,992 residents · 2025 estimate

Read the financing profile

Texas

Baytown

86,561 residents · 2025 estimate

Read the financing profile

Texas

Mansfield

84,444 residents · 2025 estimate

Read the financing profile

Texas

Longview

83,236 residents · 2025 estimate

Read the financing profile

Texas

Pharr

80,830 residents · 2025 estimate

Read the financing profile

Texas

Flower Mound

79,540 residents · 2025 estimate

Read the financing profile

Texas

Cedar Park

79,032 residents · 2025 estimate

Read the financing profile

Texas

San Marcos

77,830 residents · 2025 estimate

Read the financing profile

Texas

Missouri City

77,327 residents · 2025 estimate

Read the financing profile

Texas

Harlingen

72,467 residents · 2025 estimate

Read the financing profile

Texas

North Richland Hills

70,843 residents · 2025 estimate

Read the financing profile

Texas

Kyle

69,917 residents · 2025 estimate

Read the financing profile

Texas

Pflugerville

68,316 residents · 2025 estimate

Read the financing profile

Texas

Rowlett

67,890 residents · 2025 estimate

Read the financing profile

Texas

Victoria

66,500 residents · 2025 estimate

Read the financing profile

Texas

Fulshear

64,630 residents · 2025 estimate

Read the financing profile

Texas

Celina

64,427 residents · 2025 estimate

Read the financing profile

Texas

Wylie

63,842 residents · 2025 estimate

Read the financing profile

Texas

Little Elm

62,727 residents · 2025 estimate

Read the financing profile

Texas

Euless

60,008 residents · 2025 estimate

Read the financing profile

Texas

Texas City

59,733 residents · 2025 estimate

Read the financing profile

Texas

Burleson

56,907 residents · 2025 estimate

Read the financing profile

Texas

DeSoto

56,681 residents · 2025 estimate

Read the financing profile

Texas

Port Arthur

55,804 residents · 2025 estimate

Read the financing profile

Texas

Rockwall

53,980 residents · 2025 estimate

Read the financing profile

Texas

Galveston

53,636 residents · 2025 estimate

Read the financing profile

Texas

Sherman

52,417 residents · 2025 estimate

Read the financing profile

Texas

Grapevine

50,714 residents · 2025 estimate

Read the financing profile

Texas

Waxahachie

50,090 residents · 2025 estimate

Read the financing profile

Texas

Cedar Hill

49,801 residents · 2025 estimate

Read the financing profile

Texas

Huntsville

49,088 residents · 2025 estimate

Read the financing profile

Texas

Bedford

47,958 residents · 2025 estimate

Read the financing profile

Texas

Midlothian

46,683 residents · 2025 estimate

Read the financing profile

Texas

The Colony

46,196 residents · 2025 estimate

Read the financing profile

Texas

Keller

46,078 residents · 2025 estimate

Read the financing profile

Texas

Hutto

46,048 residents · 2025 estimate

Read the financing profile

Texas

Schertz

45,978 residents · 2025 estimate

Read the financing profile

Texas

Prosper

45,605 residents · 2025 estimate

Read the financing profile

Texas

Haltom City

45,542 residents · 2025 estimate

Read the financing profile

Texas

Weslaco

44,203 residents · 2025 estimate

Read the financing profile

Texas

Princeton

43,524 residents · 2025 estimate

Read the financing profile

Texas

Rosenberg

42,701 residents · 2025 estimate

Read the financing profile

Texas

Forney

41,658 residents · 2025 estimate

Read the financing profile

Texas

Coppell

41,386 residents · 2025 estimate

Read the financing profile

Texas

Friendswood

41,319 residents · 2025 estimate

Read the financing profile
By Motenza Editorial · Source-linked state research. Program entries are not loan offers, approval decisions or verified open intake.

Free owner’s field guide

20 ways to finance
your business.

Compare financing routes and the questions to ask before committing.

Get the free checklistExplore the Motenza briefing