Searching for trusted San Antonio SBA lenders to power your business growth? Our comprehensive directory connects San Antonio entrepreneurs with approved SBA loan providers throughout the metropolitan area including San Antonio, New Braunfels, Boerne, Schertz, and surrounding communities. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for San Antonio businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your San Antonio small business thrive in South Texas’s vibrant and diverse economic center.
| Lender name | City | Phone | Website | Programs |
|---|---|---|---|---|
| 1st Community FCU | SAN ANGELO, TX | (800) 749-1465 | 1cfcu.org | 7a / Express |
| A+ FCU | AUSTIN, TX | (512) 302-6800 | aplusfcu.org | 7a / Express |
| Air Force FCU | SAN ANTONIO, TX | (210) 673-5610 | airforcefcu.com | 7a |
| Allegiance Bank | HOUSTON, TX | (281) 894-3236 | allegiancebank.com | 7a / Express / PLP |
| Alliance Lending Corporation | FORT WORTH, TX | (817) 871-6444 | alliancecdc.com | 504 |
| American Bank of Commerce | AUSTIN, TX | (512) 391-5500 | theabcbank.com | 7a / Express / PLP |
| American Bank, National Association | CORPUS CHRISTI, TX | (800) 257-8316 | americanbank.com | 7a / Express / ExportExpress / PLP |
| American Momentum Bank | SAN ANTONIO, TX | (210) 493-8844 | americanmomentum.bank | 7a / Express / PLP |
| American National Bank | OMAHA, NE | (833) 774-6897 | american.bank | 7a / Express / PLP |
| Amistad Bank | DEL RIO, TX | (830) 775-0295 | amistadbank.com | 7a / Express |
| Amplify CU | AUSTIN, TX | (800) 237-5087 | goamplify.com | 7a / Express / PLP |
| Arrowhead Bank | LLANO, TX | (325) 247-5741 | arrowheadbanktexas.com | 7a |
| Atascosa Bank | PLEASANTON, TX | (830) 569-2507 | atascosabank.com | 7a |
| Austin Capital Bank SSB | AUSTIN, TX | (512) 693-3600 | austincapitalbank.com | 7a |
| Austin Telco FCU | AUSTIN, TX | (512) 302-5555 | atfcu.org | 7a |
| b1Bank | BATON ROUGE, LA | (225) 388-6118 | b1bank.com | 7a / Express / PLP |
| Bandera Bank | BANDERA, TX | (830) 796-3711 | banderabank.com | 7a |
| Bank Five Nine | OCONOMOWOC, WI | (888) 569-9909 | bankfivenine.com | 7a / Express / PLP |
| Bank of America, National Association | CHARLOTTE, NC | (866) 283-4075 | bankofamerica.com | 7a / Express / ExportExpress / PLP |
| Bank of Hope | LOS ANGELES, CA | (888) 972-5363 | bankofhope.com | 7a / Express / ExportExpress / PLP |
| BayFirst National Bank | ST. PETERSBURG, FL | (833) 698-2265 | bayfirstfinancial.com | 7a / Express / ExportExpress / PLP |
| BCL of Texas | AUSTIN, TX | (512) 912-9884 | bcloftexas.org | 504 / CA / Microlender |
| Berkshire Bank | PITTSFIELD, MA | (800) 773-5601 | berkshirebank.com | 7a / Express / ExportExpress / PLP |
| Blue Ridge Bank, National Association | MARTINSVILLE, VA | (888) 331-6521 | mybrb.com | 7a / Express/ ExportExpress/ PLP |
| Broadway National Bank | SAN ANTONIO, TX | (800) 531-7650 | broadway.bank | 7a / Express / ExportExpress / PLP |
| Byline Bank | CHICAGO, IL | (773) 244-7000 | bylinebank.com | 7a / Express / ExportExpress / PLP |
| Cache Valley Bank | LOGAN, UT | (888) 418-5333 | cachevalleybank.com | 7a / Express / ExportExpress / PLP |
| Cadence Bank | TUPELO, MS | (800) 636-7622 | cadencebank.com | 7a / Express / ExportExpress / PLP |
| Capital Certified Development Corporation | AUSTIN, TX | (512) 327-9229 | capitalcdc.com | 504 / CA |
| Capital One, National Association | MCLEAN, VA | (888) 755-2172 | capitalone.com | 7a / Express / ExportExpress / PLP |
| Caprock Business Finance Corporation, Inc. | LUBBOCK, TX | (806) 762-8721 | caprock504.org | 504 |
| Carmine State Bank | CARMINE, TX | (979) 278-3244 | carminestatebank.com | 7a |
| Castroville State Bank | CASTROVILLE, TX | (830) 931-2201 | castrovillestatebank.com | 7a |
| Celtic Bank Corporation | SALT LAKE CITY, UT | (801) 363-6500 | celticbank.com | 7a / Express / ExportExpress / PLP |
| Citizens Bank | ELIZABETHTON, TN | (910) 584-4894 | citizensbank24.com | 7a / Express / ExportExpress / PLP |
| Citizens State Bank | GANADO, TX | (361) 771-3391 | csbjc.com | 7a |
| Citizens State Bank of Luling | LULING, TX | (830) 875-2472 | csbsa.com | 7a |
| Coastal States Bank | HILTON HEAD , SC | (843) 341-9900 | coastalstatesbank.com | 7a / Express / PLP |
| Colony Bank | FITZGERALD, GA | (512) 797-4742 | colonybank.com | 7a / Express / ExportExpress / PLP |
| Comerica Bank | DALLAS, TX | (800) 266-3742 | comerica.com | 7a / Express / ExportExpress / PLP |
| Commerce Bank | LAREDO, TX | (956) 724-1616 | ibc.com | 7a |
| Commercial Bank of California | IRVINE, CA | (877) 206-9167 | cbcal.com | 7a / Express / PLP |
| Commonwealth Business Bank | LOS ANGELES, CA | (888) 824-4222 | cbb-bank.com | 7a / Express / ExportExpress / PLP |
| Community Business Finance | HOUSTON, TX | (800) 462-1017 | communitybusinessfinance.com | 504 |
| ConnectOne Bank | ENGLEWOOD CLIFFS, NJ | (844) 266-2548 | connectonebank.com | 7a / Express / PLP |
| Credit Human FCU | SAN ANTONIO, TX | (800) 688-7228 | credithuman.com | 7a |
| Crockett National Bank | SAN ANTONIO, TX | (800) 588-6714 | crockettnationalbank.com | 7a |
| Crossroads Bank | YOAKUM, TX | (361) 293-3572 | crbanktx.com | 7a |
| Customers Bank | PHOENIXVILLE, PA | (484) 334-4832 | customersbank.com | 7a / Express / ExportExpress / PLP |
| Dogwood State Bank | RALEIGH, NC | (855) 557-6863 | dogwoodstatebl.com | 7a / Express / PLP |
| Encore Bank | GRAPEVINE, TX | (844) 394-2265 | bankencore.com | 7a / Express / PLP |
| Enterprise Bank & Trust | CLAYTON, MO | (833) 896-2850 | enterprisebank.com | 7a / Express / ExportExpress / PLP |
| Equity Bank | ANDOVER, KS | (888) 733-5041 | equitybank.com | 7a / Express / PLP |
| Exchange Bank | SANTA ROSA, CA | (916) 782-0122 | exchangebank.com | 7a / Express / ExportExpress / PLP |
| Falcon International Bank | LAREDO, TX | (888) 310-2265 | falconbank.com | 7a |
| Falcon National Bank | ST. CLOUD, MN | (320) 257-0533 | falconnational.com | 7a / Express / ExportExpress / PLP |
| Fayette Savings Bank, ssb | LA GRANGE, TX | (979) 968-9511 | fayettesavings.com | 7a |
| Fayetteville Bank | FAYETTEVILLE, TX | (979) 378-4261 | fayettevillebank.com | 7a |
| First Bank of the Lake | SAN ANTONIO, TX | (210) 876-1322 | fblake.bank | 7a / Express / ExportExpress / PLP |
| First Business Bank | MADISON, WI | (608) 238-8008 | firstbusiness.bank | 7a / Express / PLP |
| First Chatham Bank | SAVANNAH, GA | (866) 802-0649 | firstchatham.com | 7a / Express / PLP |
| First Commercial Bank, National Association | SEGUIN, TX | (800) 426-0756 | 1cb.com | 7a |
| First Commonwealth Bank | INDIANA, PA | (800) 711-2265 | fcbanking.com | 7a / Express / ExportExpress / PLP |
| First Financial Bank, National Association | ABILENE, TX | (855) 660-5862 | ffin.com | 7a / Express / PLP |
| First Guaranty Bank | HAMMOND, LA | (888) 375-3093 | fgb.net | 7a / Express / ExportExpress / PLP |
| First IC Bank | DORAVILLE , GA | (770) 407-1474 | firsticbank.com | 7a / Express / ExportExpress / PLP |
| First Internet Bank of Indiana | FISHERS, IN | (317) 537-6208 | firstib.com | 7a / Express / PLP |
| First National Bank Albany/Breckenridge | ALBANY, TX | (325) 762-2222 | fnbab.com | 7a / Express / PLP |
| First National Bank in Port Lavaca | PORT LAVACA, TX | (800) 505-2265 | fnbportlavaca.com | 7a |
| First National Bank of Giddings | GIDDINGS, TX | (979) 542-1200 | fnbgiddings.com | 7a |
| First National Bank Texas | KILLEEN, TX | (800) 677-9801 | 1stnb.com | 7a / Express / ExportExpress / PLP |
| First Savings Bank | JEFFERSONVILLE, IN | (833) 372-4968 | fsbbank.net | 7a / Express / ExportExpress / PLP |
| First State Bank – Shallowater | SHALLOWATER, TX | (806) 832-4525 | fsbshallowater.com | 7a / Express / PLP |
| First State Bank of Burnet | BURNET, TX | (512) 756-2191 | fsbburnet.com | 7a |
| First State Bank of Junction | JUNCTION, TX | (325) 446-3391 | fsbjunction.com | 7a / PLP |
| First State Bank of Paint Rock | PAINT ROCK, TX | (325) 732-4386 | fsbpaintrock.com | 7a |
| First State Bank of Texas | THREE RIVERS, TX | (361) 786-2525 | fsboftx.com | 7a |
| First State Bank of Uvalde | UVALDE, TX | (830) 278-6231 | fsbuvalde.com | 7a |
| First Texas Bank | LAMPASAS, TX | (512) 556-3691 | firsttexasbank.bank | 7a |
| First Texas Bank | GEORGETOWN, TX | (512) 863-2567 | firsttexasbank.bank | 7a / Express |
| First United Bank and Trust Company | FREDERICKSBURG, TX | (830) 997-9564 | firstunitedbank.com | 7a / Express / PLP |
| First Western SBLC, Inc. | DALLAS, TX | (972) 349-3200 | pmcsba.com | 7a / PLP |
| First-Citizens Bank & Trust Company | RALEIGH, NC | (866) 322-4249 | firstcitizens.com | 7a / Express / PLP |
| First-Lockhart National Bank | LOCKHART, TX | (877) 398-3416 | firstlockhart.com | 7a |
| Firstmark CU | SAN ANTONIO, TX | (800) 683-1211 | firstmarkcu.org | 7a / Express |
| Five Star Bank | RANCHO CORDOVA, CA | (800) 416-6117 | fivestarbank.com | 7a / Express / ExportExpress / PLP |
| Fountainhead SBF LLC | LAKE MARY, FL | (800) 770-1504 | fountainheadcc.com | 7a / Express / PLP |
| Frontier Bank of Texas | ELGIN, TX | (512) 281-1500 | frontierbankoftexas.bank | 7a / Express / PLP |
| Frost Bank | SAN ANTONIO, TX | (210) 220-4272 | frostbank.com | 7a / Express / ExportExpress / PLP |
| Fund-Ex Solutions Group, LLC | SYRACUSE, NY | (866) 297-4311 | fundexsolutions.com | 7a / PLP |
| Generations Community FCU | SAN ANTONIO, TX | (210) 767-5202 | mygenfcu.org | 7a / Express |
| Grasshopper Bank, National Association | NEW YORK CITY, NY | (917) 830-2114 | grasshopper.bank | 7a / PLP |
| Greater State Bank | MCALLEN, TX | (800) 217-8928 | gstbank.com | 7a / Express |
| Greater Texas Capital Corporation | TYLER, TX | (888) 923-2504 | getcdc.org | 504 |
| Guadalupe Bank | KERRVILLE, TX | (830) 792-1950 | guadalupebank.com | 7a |
| Guaranty Bank & Trust, National Association | MOUNT PLEASANT, TX | (888) 572-9881 | gnty.com | 7a / Express / PLP |
| Gulf Coast Bank and Trust Company | NEW ORLEANS, LA | (833) 219-4018 | gulfcoastsba.com | 7a / Express / ExportExpress / PLP |
| Hancock Whitney Bank | GULFPORT, MS | (877) 538-3335 | hancockwhitney.com | 7a / Express / ExportExpress / PLP |
| Hanmi Bank | CARROLLTON, TX | (972) 485-7239 | hanmi.com | 7a / Express/ ExportExpress/ PLP |
| Harvest Small Business Finance, LLC | LAGUNA HILLS, CA | (949) 778-0039 | harvestsbf.com | 7a / PLP |
| Home Loan Investment Bank, F.S.B. | WARWICK, RI | (401) 773-9509 | homeloanbank.com | 7a / Express / ExportExpress / PLP |
| Horizon Bank, SSB | AUSTIN, TX | (866) 914-2265 | horizonbanktexas.com | 7a / Express / PLP |
| IncredibleBank | WAUSAU, WI | (888) 842-0221 | incrediblebank.com | 7a / Express / PLP |
| Independent Bank | MCKINNEY, TX | (800) 460-6634 | independent-bank.com | 7a / Express / ExportExpress / PLP |
| International Bank of Commerce | LAREDO, TX | (956) 722-7611 | ibc.com | 7a / Express |
| Jefferson Bank | SAN ANTONIO, TX | (210) 734-4311 | jeffersonbank.com | 7a / Express / ExportExpress |
| Johnson City Bank | JOHNSON CITY, TX | (830) 868-7131 | j-cbank.com | 7a |
| JPMorgan Chase Bank, National Association | CHICAGO, IL | (800) 242-7338 | chase.com | 7a / Express / PLP |
| Junction National Bank | JUNCTION, TX | (325) 446-2531 | junctionnational.com | 7a |
| Keystone Bank, SSB | AUSTIN, TX | (512) 982-9150 | keystone.bank | 7a / Express |
| LendingClub Bank, National Association | LEHI, UT | (855) 846-0153 | lendingclub.com | 7a / Express / ExportExpress / PLP |
| Lendistry SBLC, LLC | LOS ANGELES, CA | (888) 594-7270 | lendistry.com | 7a |
| Lendstream Small Business Finance, LLC | CHARLOTTE, NC | (800) 369-8960 | lendstreamsbf.com | 7a |
| LiftFund, Inc. | SAN ANTONIO, TX | (888) 215-2373 | liftfund.com | 504 / CA / Microlender |
| Lincoln Savings Bank | REINBECK, IA | (800) 588-7551 | mylsb.com | 7a / Express / PLP |
| Live Oak Banking Company | AUSTIN, TX | (214) 289-2536 | liveoakbank.com | 7a / Express / ExportExpress / PLP |
| Llano National Bank | LLANO, TX | (325) 247-5701 | llanonationalbank.com | 7a |
| Lone Star Capital Bank, National Association | SAN ANTONIO, TX | (210) 496-6116 | lscb.com | 7a |
| Luminate Bank | MINNETONKA, MN | (952) 939-7200 | luminate.bank | 7a / Express |
| Lytle State Bank | LYTLE, TX | (830) 709-3601 | lytlestatebank.com | 7a |
| Marion State Bank | MARION, TX | (830) 420-2331 | marionstatebanktx.com | 7a |
| Mason Bank | MASON, TX | (325) 347-5911 | masonbank.com | 7a |
| Meadows Bank | LEWISVILLE, TX | (972) 467-8714 | meadowsbank.bank | 7a / Express / ExportExpress / PLP |
| Menard Bank | MENARD, TX | (325) 396-4524 | menardbank.com | 7a |
| Merchants Bank of Indiana | CARMEL, IN | (317) 922-3353 | merchantsbankofindiana.com | 7a / Express / PLP |
| Meridian Bank | MALVERN, PA | (866) 327-9199 | meridianbanker.com | 7a / Express / ExportExpress / PLP |
| Metro City Bank | DORAVILLE, GA | (972) 827-7220 | metrocitybank.bank | 7a / Express / ExportExpress / PLP |
| Midwest BankCentre | SAINT LOUIS, MO | (954) 292-9293 | midwestbankcentre.com | 7a / Express / PLP |
| Midwest Regional Bank | FESTUS, MO | (214) 205-5776 | mwrbank.com | 7a |
| Mission Valley Bank | SUN VALLEY, CA | (877) 394-2306 | missionvalleybank.com | 7a / Express / PLP |
| MVB Bank, Inc. | FAIRMONT, WV | (844) 682-2265 | mvbbanking.com | 7a / Express / PLP |
| National Bank & Trust | LA GRANGE, TX | (979) 968-3136 | nbt-texas.com | 7a |
| NBH Bank | GREENWOOD VILLAGE, CO | (855) 629-7618 | nbhbank.com | 7a / Express / ExportExpress / PLP |
| Newtek Small Business Finance, Inc. | LAKE SUCCESS, NY | (855) 763-9835 | newtekone.com | 7a / Express / ExportExpress / PLP |
| Northeast Bank | LEWISTON, ME | (800) 284-5989 | northeastbank.com | 7a / Express / ExportExpress / PLP |
| North Texas Certified Development Corporation | PLANO, TX | (972) 516-0514 | northtexascdc.com | 504 |
| Ozona Bank | OZONA, TX | (877) 847-8250 | ozonabank.com | 7a |
| Pacific Western Bank | DENTON, TX | (214) 619-1855 | pacwest.com | 7a / Express / PLP |
| Pathward National Association | SIOUX FALLS, SD | (866) 550-6382 | pathward.com | 7a / Express / PLP |
| PeopleFund | AUSTIN, TX | (888) 222-0017 | peoplefund.org | 504 / CA / Microlender |
| Peoples Bank | MENDENHALL, MS | (888) 596-3535 | peoplesbank-ms.com | 7a / Express / ExportExpress / PLP |
| Peoples State Bank | ROCKSPRINGS, TX | (830) 683-2119 | psbrocksprings.com | 7a |
| Peoples State Bank of Hallettsville | HALLETTSVILLE, TX | (800) 840-3378 | psbhallettsville.com | 7a |
| Pinnacle Bank | GREENVILLE, SC | (813) 803-3669 | pnfp.com | 7a / Express / ExportExpress / PLP |
| Plains State Bank | HUMBLE, TX | (713) 559-6800 | psbplains.com | 7a / Express / ExportExpress / PLP |
| PlainsCapital Bank | AUSTIN, TX | (512) 457-7500 | plainscapital.com | 7a / Express / PLP |
| PNC Bank, National Association | PITTSBURGH, PA | (855) 762-2365 | pnc.com | 7a / Express / ExportExpress / PLP |
| Primis Bank | TAPPAHANNOCK, VA | (833) 477-4647 | primisbank.com | 7a/ Express / PLP |
| Prosperity Bank | EL CAMPO, TX | (979) 821-1266 | prosperitybankusa.com | 7a / Express / PLP |
| R Bank | CEDAR PARK, TX | (512) 359-8151 | rbanktexas.com | 7a / Express / PLP |
| Randolph-Brooks FCU | LIVE OAK, TX | (210) 945-3300 | rbfcu.org | 7a / Express / PLP |
| ReadyCap Lending | IRVING, TX | (888) 354-0822 | readycapital.com | 7a / Express / PLP |
| Regent Bank | TULSA, OK | (877) 488-4790 | regent.bank | 7a / Express / PLP |
| Regions Bank | AUSTIN, TX | (512) 260-0209 | regions.com | 7a / Express / ExportExpress / PLP |
| River City FCU | SAN ANTONIO, TX | (210) 244-2505 | rivercityfcu.org | 7a |
| Round Top State Bank | ROUND TOP, TX | (979) 249-3151 | roundtopstatebank.com | 7a |
| Sage Capital Bank | GONZALES, TX | (830) 672-8585 | sagecapitalbank.com | 7a / Express |
| Sandy Spring Bank | OLNEY, MD | (800) 399-5919 | sandyspringbank.com | 7a / Express / PLP |
| Seacoast National Bank | STUART, FL | (866) 710-5778 | seacoastbank.com | 7a / Express / ExportExpress / PLP |
| Schertz Bank & Trust | SCHERTZ, TX | (210) 945-7400 | schertzbank.com | 7a / Express / PLP |
| Security National Bank of Omaha | OMAHA, NE | (844) 762-1964 | snbconnect.com | 7a / Express / PLP |
| Security Service FCU | SAN ANTONIO, TX | (866) 397-4480 | ssfcu.org | 7a / Express / PLP |
| Security State Bank | PEARSALL, TX | (830) 334-3606 | securitystbk.com | 7a |
| Security State Bank & Trust | FREDERICKSBURG, TX | (800) 880-0649 | ssbtexas.com | 7a / Express / PLP |
| ServisFirst Bank | BIRMINGHAM, AL | (866) 317-0810 | servisfirstbank.com | 7a |
| Simmons Bank | PINE BLUFF, AR | (817) 840-1880 | simmonsfirst.com | 7a / Express / ExportExpress / PLP |
| SNB Bank, National Association | BOOKER, TX | (806) 650-2265 | snbbankna.com | 7a / Express |
| Southeast Texas Economic Development Foundation | BEAUMONT, TX | (409) 924-7544 | setedf.org | 504 |
| SouthStar Bank, S.S.B. | MOULTON, TX | (512) 522-3833 | southstarbank.com | 7a / Express / PLP |
| SouthTrust Bank, National Association | GEORGE WEST, TX | (361) 449-1571 | southtrust.com | 7a |
| Southwestern National Bank | AUSTIN, TX | (512) 834-8886 | swnbk.com | 7a / Express / PLP |
| Star of Texas CU | AUSTIN, TX | (512) 458-8253 | staroftexascu.org | 7a |
| Stearns Bank National Association | SAINT CLOUD, MN | (888) 320-2899 | stearnsbank.com | 7a / Express / ExportExpress / PLP |
| Stockmens National Bank in Cotulla | COTULLA, TX | (830) 879-2331 | snbcotulla.com | 7a |
| Sunflower Bank, National Association | AUSTIN, TX | (512) 568-2337 | sunflowerbank.com | 7a / Express / ExportExpress / PLP |
| T Bank, National Association | DALLAS, TX | (972) 720-9000 | tbank.com | 7a / PLP |
| Teachers Credit Union | SOUTH BEND, IN | (800) 552-4745 | tcunet.com | 7a / Express / PLP |
| Texas Capital Bank | SAN ANTONIO, TX | (210) 283-5234 | texascapitalbank.com | 7a / Express / ExportExpress / PLP |
| Texas Certified Development Company, Inc. | AUSTIN, TX | (512) 433-1185 | txcdc.com | 504 |
| Texas Champion Bank | SAN ANTONIO, TX | (210) 375-3133 | texaschampionbank.com | 7a |
| Texas Community Bank | LAREDO, TX | (956) 722-8333 | tx-communitybank.com | 7a |
| Texas Financial Bank | EDEN, TX | (325) 869-0756 | texasfinancialbank.com | 7a / Express |
| Texas Heritage Bank | BOERNE, TX | (830) 249-3955 | texasheritage.bank | 7a |
| Texas Panhandle Regional Development Corporation | AMARILLO, TX | (806) 379-6411 | amarilloedc.com | 504 |
| Texas Partners Bank | SAN ANTONIO, TX | (210) 807-5500 | texaspartners.bank | 7a / Express / PLP |
| Texas State Bank | SAN ANGELO, TX | (800) 700-9603 | txbank.com | 7a |
| TexStar National Bank | UNIVERSAL CITY, TX | (210) 659-4000 | texstar-bank.com | 7a / Express / PLP |
| The Bancorp Bank | WILMINGTON, DE | (919) 355-0864 | thebancorp.com | 7a / Express / PLP |
| The Bank & Trust, SSB | DEL RIO, TX | (830) 774-2555 | thebankandtrust.bank | 7a |
| The Brady National Bank | BRADY, TX | (325) 597-2104 | bradynationalbank.com | 7a |
| The City National Bank of Taylor | TAYLOR, TX | (512) 352-8523 | cnbt.com | 7a |
| The Commercial Bank | MASON, TX | (325) 347-6324 | tcbmason.com | 7a |
| The Commercial National Bank of Brady | BRADY, TX | (325) 597-2961 | cnbbrady.com | 7a |
| The Falls City National Bank | FALLS CITY, TX | (830) 254-3573 | fcnb.net | 7a |
| The Fidelity Bank | FUQUAY-VARINA, NC | (919) 552-2242 | fidelitybanknc.com | 7a / Express / ExportExpress / PLP |
| The First National Bank of Ballinger | SAN ANGELO, TX | (325) 947-8400 | fnbballinger.com | 7a / Express / PLP |
| The First National Bank of Bastrop | BASTROP, TX | (512) 321-2561 | fnbbastrop.com | 7a |
| The First National Bank of Eldorado | ELDORADO, TX | (325) 853-2561 | fnbeldorado.com | 7a |
| The First National Bank of Mertzon | MERTZON, TX | (325) 835-3421 | fnbmertzon.com | 7a |
| The First National Bank of Shiner | SHINER, TX | (361) 594-3317 | fnbshiner.com | 7a |
| The First National Bank of Sonora | SONORA, TX | (800) 898-1888 | sonorabank.com | 7a |
| The Freedom of Virginia | FAIRFAX, VA | (203) 583-0608 | freedombankva.com | 7a / Express / ExportExpress / PLP |
| The Granger National Bank | GRANGER, TX | (512) 859-2202 | grangernationalbank.com | 7a |
| The Huntington National Bank | COLUMBUS, OH | (330) 252-8229 | huntington.com | 7a / Express / ExportExpress / PLP |
| The Karnes County National Bank | KARNES CITY, TX | (830) 780-3317 | kcnb.com | 7a |
| The MINT National Bank | KINGWOOD, TX | (281) 359-6468 | themintbank.com | 7a / Express / PLP |
| The Yoakum National Bank | YOAKUM, TX | (361) 293-5225 | yoakumnationalbank.com | 7a |
| Third Coast Bank SSB | HUMBLE, TX | (833) 844-7708 | thirdcoastbankssb.com | 7a / ExportExpress / PLP |
| TransPecos Banks, SSB | SAN ANTONIO, TX | (210) 880-0018 | transpecosbanks.com | 7a / PLP |
| Truist Bank | SAN ANTONIO, TX | (210) 253-6397 | truist.com | 7a / Express / ExportExpress / PLP |
| TrustTexas Bank, S.S.B. | CUERO, TX | (361) 275-2345 | trusttexas.bank | 7a |
| TXN Bank, National Association | HONDO, TX | (830) 426-3066 | txn.bank | 7a |
| Umpqua Bank | LA MESA, CA | (866) 486-7782 | umpquabank.com | 7a / Express / ExportExpress / PLP |
| UniBank | LYNNWOOD, WA | (425) 275-9700 | unibankusa.com | 7a / Express / PLP |
| United Community Bank | BLAIRSVILLE, GA | (800) 822-2651 | ucbi.com | 7a / Express / ExportExpress / PLP |
| United Midwest Savings Bank, National Association | DE GRAFF, OH | (844) 531-9722 | umwsb.com | 7a / Express / ExportExpress / PLP |
| United Texas CU | SAN ANTONIO, TX | (800) 531-8456 | utxcu.com | 7a / Express |
| Unity National Bank of Houston | HOUSTON, TX | (281) 835-2419 | unitybanktexas.com | 7a |
| University FCU | AUSTIN, TX | (512) 421-7356 | ufcu.org | 7a / Express / PLP |
| U.S. Bank, N.A. | CINCINNATI, OH | (877) 258-5481 | usbank.com | 7a / Express / ExportExpress / PLP |
| US Metro Bank | PLANO, TX | (469) 730-0061 | usmetrobank.com | 7a / Express / ExportExpress / PLP |
| Vantage Bank Texas | SAN ANTONIO, TX | (210) 408-5771 | vantage.bank | 7a / Express / PLP |
| Velocity CU | AUSTIN, TX | (512) 469-7000 | velocitycu.com | 7a |
| VelocitySBA, LLC | WALNUT CREEK, CA | (877) 675-0500 | velocitysba.com | 7a / PLP |
| VeraBank, National Association | AUSTIN, TX | (877) 566-2621 | verabank.com | 7a |
| Veritex Community Bank | DALLAS, TX | (972) 349-6191 | veritexbank.com | 7a / Express / ExportExpress / PLP |
| Wallis Bank | SAN ANTONIO, TX | (210) 344-6080 | wallisbank.com | 7a / Express / ExportExpress / PLP |
| Wells Fargo Bank, National Association | SIOUX FALLS, SD | (800) 569-3557 | wellsfargo.com | 7a / Express / ExportExpress / PLP |
| Woori America Bank | NEW YORK CITY, NY | (888) 699-6674 | wooriamericabank.com | 7a / Express / PLP |
| Zavala County Bank | CRYSTAL CITY, TX | (830) 374-5866 | zcbank.com | 7a |
| Zions Bank | SALT LAKE CITY, UT | (888) 307-3411 | zionsbank.com | 7a / Express / ExportExpress / PLP |
Frequently Asked Questions
Q: What are SBA loans and how do they work in San Antonio?
A: SBA loans are government-backed loans provided through approved lenders in San Antonio. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to San Antonio small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables San Antonio entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to San Antonio businesses?
A: San Antonio businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in San Antonio?
A: To qualify for an SBA loan in San Antonio, businesses typically need:
- For-profit operation based in the San Antonio metropolitan area
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do San Antonio SBA lenders support businesses in the military and defense sectors?
A: San Antonio’s “Military City USA” status has created specialized SBA lending expertise in these sectors. Several San Antonio lenders have developed industry-specific loan packages designed for defense contractors, military service providers, cybersecurity firms, and companies supporting operations at Joint Base San Antonio – which encompasses Fort Sam Houston, Lackland Air Force Base, and Randolph Air Force Base. These lenders understand the unique contracting requirements, payment cycles, and growth trajectories of military-related businesses and can structure loans accordingly. Some San Antonio SBA lenders coordinate with organizations like the San Antonio Chamber of Commerce’s Military Affairs Committee, the Cyber Texas Foundation, and Port San Antonio to provide comprehensive support. These specialized lending programs have helped strengthen San Antonio’s defense economy by financing businesses that support the region’s massive military presence, with particular attention to companies implementing technologies and services that address evolving defense priorities in areas like cybersecurity, medical services, and aviation support. From specialized service contractors near the military installations to technology providers at Port San Antonio to medical equipment suppliers supporting the military health system, these lenders provide crucial capital that helps defense-focused entrepreneurs navigate complex government contracting while creating innovative solutions that maintain San Antonio’s position as a vital center for military operations and defense innovation.
Q: Are there special SBA loan programs for San Antonio’s healthcare and bioscience businesses?
A: Yes, San Antonio’s renowned medical presence has influenced local SBA lending practices. Several San Antonio lenders offer tailored loan packages for medical practices, healthcare technology developers, biomedical researchers, and specialized service providers supporting the South Texas Medical Center and the broader healthcare ecosystem. These lenders understand the unique regulatory considerations, capital needs, and growth trajectories of healthcare businesses and can structure loans accordingly. Some San Antonio SBA lenders coordinate with organizations like BioMed SA, the Health Cell, and the San Antonio Medical Foundation to help businesses access both financing and industry support. These specialized lending programs have helped strengthen San Antonio’s position as a major healthcare hub by financing businesses that complement the city’s extensive medical infrastructure and research institutions. From specialized medical practices in the Medical Center to healthcare technology developers in the downtown innovation district to life sciences companies at Texas Research Park, these lenders have developed expertise in helping healthcare entrepreneurs navigate the complex healthcare landscape while developing solutions that improve patient outcomes and create high-value employment opportunities in this growing sector. As San Antonio continues expanding its leadership in areas like military medicine, trauma care, diabetes research, and infectious disease, these lenders provide crucial capital that helps healthcare innovators build upon the city’s distinctive medical strengths.
Q: How do San Antonio SBA lenders help businesses in the tourism and hospitality sectors?
A: San Antonio’s visitor economy has created specialized lending expertise for tourism businesses. Several San Antonio SBA lenders offer industry-specific loan packages designed for hotels, restaurants, attractions, tour operators, and service providers supporting the region’s 40+ million annual visitors. These lenders understand the unique operational considerations, seasonal patterns, and growth opportunities of tourism businesses and can structure loans accordingly. Some San Antonio lenders coordinate with organizations like Visit San Antonio, the San Antonio Hotel & Lodging Association, and the San Antonio Restaurant Association to provide comprehensive support. These specialized lending programs have helped strengthen San Antonio’s position as a premier tourism destination by financing businesses that enhance visitor experiences from the River Walk to the Alamo to the Pearl District. From distinctive restaurants showcasing the city’s culinary heritage to boutique hotels in historic buildings to specialized tour operations highlighting San Antonio’s diverse attractions, these lenders have developed expertise in financing tourism concepts that showcase the city’s unique character while creating significant employment opportunities. As San Antonio continues developing its tourism identity beyond leisure travel to include culinary tourism, cultural heritage experiences, and convention business, these lenders provide crucial capital that helps entrepreneurs create compelling hospitality offerings that attract visitors while generating substantial economic impact throughout the region.
Q: Can manufacturing and industrial businesses in San Antonio access specialized SBA financing?
A: Yes, San Antonio’s diverse industrial base benefits from specialized SBA lending expertise. Several San Antonio lenders offer tailored loan packages for manufacturers, fabricators, industrial service providers, and specialized production facilities. These lenders understand the unique equipment needs, facility requirements, and operational considerations of manufacturing businesses and can structure loans accordingly. Some San Antonio SBA lenders coordinate with organizations like the San Antonio Manufacturers Association, Port San Antonio, Brooks, and the South Texas Regional Center for Innovation & Commercialization to provide comprehensive support. These specialized programs have supported San Antonio’s manufacturing evolution by financing businesses that represent both traditional and emerging production sectors. From aerospace component manufacturers at Port San Antonio to food processors in the central city to advanced materials developers at Brooks, these lenders help finance diverse manufacturing ventures that leverage San Antonio’s strategic location, infrastructure advantages, and skilled workforce. As manufacturing continues evolving with new technologies and reshoring trends, these lenders provide crucial capital that helps manufacturers invest in equipment, facilities, and workforce development while creating quality employment opportunities in this essential sector. The city’s manufacturing diversity – spanning aerospace, food production, automotive, medical devices, and construction materials – has created a sophisticated lending ecosystem that understands the distinctive capital needs of various manufacturing subsectors.
Q: How do San Antonio SBA lenders support Hispanic-owned businesses and Latino entrepreneurs?
A: San Antonio’s majority-Hispanic population has led to specialized lending approaches that recognize the needs of Latino business owners. Several San Antonio SBA lenders have developed programs specifically focused on expanding capital access for Hispanic entrepreneurs throughout the metropolitan area. These lenders often coordinate with organizations like the San Antonio Hispanic Chamber of Commerce, LiftFund (formerly Accion Texas), and the Maestro Entrepreneur Center to provide culturally responsive support. Some San Antonio lenders employ bilingual loan officers familiar with both the financial and cultural aspects of serving Latino business owners. These specialized lending programs align with San Antonio’s demographic reality by providing Spanish-language materials, targeted outreach, and financing structures that address the specific challenges Hispanic entrepreneurs may face. From retail operations on the South and West sides to professional services downtown to manufacturing enterprises throughout the region, these lenders help finance diverse business ventures that strengthen San Antonio’s economy while creating wealth-building opportunities in the Hispanic community. As Latino entrepreneurship continues growing in importance to the regional economy, these lenders have developed distinctive expertise in helping Hispanic business owners access capital while navigating the path to business success in a city where Latino business leadership has deep historical roots and growing contemporary influence.
Q: Are there specialized SBA loan programs for San Antonio’s technology and cybersecurity businesses?
A: Yes, San Antonio’s growing technology ecosystem has influenced local SBA lending practices. Several San Antonio SBA lenders have developed expertise in financing software developers, cybersecurity firms, cloud computing providers, and other technology-focused businesses from downtown’s tech district to Port San Antonio’s Project Tech complex. These lenders understand the unique growth patterns, talent needs, and capital requirements of technology businesses and can structure loans accordingly. Some San Antonio lenders coordinate with organizations like Tech Bloc, Geekdom, the National Security Collaboration Center, and the 80|20 Foundation to provide comprehensive support. While early-stage startups typically rely on equity financing, SBA loans become viable options as technology companies reach revenue generation and scaling phases. These specialized lending programs have helped strengthen San Antonio’s position as a technology hub by financing businesses that leverage the city’s distinctive strengths in cybersecurity, cloud computing, and defense technology. From cybersecurity firms supporting military operations to software companies creating solutions for healthcare delivery to technology service providers supporting San Antonio’s diverse business community, these lenders help finance technology ventures that are creating high-skill employment opportunities while diversifying San Antonio’s economy. As the city continues building its reputation as “Cyber City USA,” these lenders provide crucial capital that helps tech entrepreneurs scale their businesses while maintaining roots in the region.
Q: How do San Antonio SBA lenders support businesses owned by women and veterans?
A: San Antonio’s entrepreneurial diversity has influenced local SBA lending practices. Several San Antonio SBA lenders have developed specialized programs focused on expanding capital access for women business owners and veteran entrepreneurs throughout the metropolitan area. These lenders often coordinate with organizations like the Women’s Business Center at LiftFund, the Veteran Entrepreneur Network, and Bunker Labs San Antonio to provide targeted support. Some San Antonio lenders offer mentoring connections, specialized workshops, and networking opportunities alongside their financing options. These specialized lending programs align with San Antonio’s strong military connections and growing female entrepreneurship by providing outreach and financing structures that address the specific challenges these entrepreneurs may face. From professional service firms to retail operations to technology ventures, these lenders help finance diverse business ventures led by women and veterans who contribute significantly to San Antonio’s economic vitality. As these demographic groups continue increasing their entrepreneurial participation, these lenders have developed expertise in helping them overcome traditional barriers to capital access while building sustainable businesses that create economic opportunities throughout San Antonio’s diverse communities. The city’s substantial veteran population – one of the largest in the nation – has created particularly strong resources for transitioning military personnel seeking to establish businesses in the region.
Q: How do San Antonio SBA lenders support businesses in the construction and real estate development sectors?
A: San Antonio’s rapid growth has led to specialized lending approaches for construction-related businesses. Several San Antonio SBA lenders have developed programs specifically focused on financing contractors, specialty trade companies, engineering firms, and real estate service providers. These lenders understand the project-based nature of construction work and can structure loans that accommodate the industry’s distinctive cash flow patterns and bonding requirements. Some San Antonio lenders coordinate with organizations like the Associated Builders and Contractors of South Texas, the Greater San Antonio Builders Association, and the Real Estate Council of San Antonio to provide comprehensive support. These specialized lending programs align with San Antonio’s ongoing development by providing capital solutions that help construction businesses secure the equipment, materials, and working capital needed to participate in the region’s building activity. From commercial contractors downtown to residential builders in growing suburban communities to specialty trade companies throughout the metropolitan area, these lenders help finance diverse construction ventures that literally build San Antonio’s future. As the city continues expanding with new residential communities, commercial developments, and infrastructure projects, these lenders provide crucial capital that helps construction entrepreneurs grow their capacity while creating significant employment opportunities in this essential sector.
Q. How do San Antonio SBA lenders support businesses in the food and beverage manufacturing sectors?
A. San Antonio’s culinary heritage has created specialized lending expertise for food producers. Several San Antonio lenders offer industry-specific loan packages designed for specialty food manufacturers, beverage producers, food technology developers, and culinary entrepreneurs. These lenders understand the unique production requirements, regulatory considerations, and growth trajectories of food businesses and can structure loans accordingly. Some San Antonio SBA lenders coordinate with organizations like the San Antonio Food Bank’s culinary incubator, the Culinary Institute of America’s San Antonio campus, and H-E-B’s Quest for Texas Best competition to provide comprehensive support. These specialized lending programs have helped strengthen San Antonio’s position as a food innovation hub by financing businesses that showcase the region’s distinctive culinary traditions while embracing contemporary market opportunities. From tortilla manufacturers preserving authentic methods to craft beverage producers creating distinctive Texas products to specialty food companies developing innovative packaged goods, these lenders help finance diverse food ventures that connect San Antonio’s culinary heritage with growing consumer interest in authentic, locally-produced foods. As the city’s food scene gains national recognition and local producers expand distribution beyond the region, these lenders provide crucial capital that helps culinary entrepreneurs scale production while maintaining quality and authenticity.
Q: How do San Antonio SBA lenders support businesses in rural communities and smaller towns surrounding the metropolitan area?
A: San Antonio’s role as a regional hub has led to specialized lending approaches for businesses in surrounding communities. Several San Antonio SBA lenders have developed programs specifically focused on expanding capital access for rural entrepreneurs in communities like Floresville, Hondo, Seguin, and Bandera. These lenders often coordinate with organizations like the Small Business Development Center’s rural outreach programs, county economic development corporations, and the South Texas Regional Center for Innovation & Commercialization to provide comprehensive support. Some San Antonio lenders participate in USDA Rural Development programs alongside SBA programs to provide enhanced options for rural businesses. These specialized lending programs align with the region’s interconnected economy by providing tailored assistance that helps rural entrepreneurs leverage their proximity to San Antonio while developing businesses that serve local needs and preserve community character. From manufacturing operations in smaller industrial centers to tourism businesses showcasing Hill Country attractions to agricultural enterprises creating value-added products, these lenders help finance diverse ventures that strengthen the broader San Antonio region while creating economic opportunities that help smaller communities thrive. As metropolitan growth continues extending outward, these lenders provide crucial capital that helps entrepreneurs in surrounding communities participate in regional prosperity while maintaining distinctive small-town business identities.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.