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County25th of 227 in Texas by approvalsFIPS 48187
SBA loans in Guadalupe County, Texas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Guadalupe County, Texas, received 146 SBA loan approvals worth $111M in FY2021 to FY2025 (135 7(a), 11 504).
That is 52.7 approvals per 1,000 business establishments (2,768 establishments in 2023), above the Texas figure of 37.2 and above the national 41.0.
It ranks 25th of 227 Texas counties with approvals. In FY2025 there were 45, up 61% on FY2024.
56 lenders had approvals here; the most active were The Huntington National Bank (12), BayFirst National Bank (10) and Fifth Third Bank (8). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Guadalupe County
By number of approvals to businesses in the county, FY2021–FY2025; 56 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 12 | $3.8M | 8.2% | |
| 2 | BayFirst National BankSaint Petersburg, FL | 10 | $2.1M | 6.8% | |
| 3 | Fifth Third BankCincinnati, OH | 8 | $13.4M | 5.5% | |
| 4 | Celtic Bank CorporationSalt Lake City, UT | 6 | $2.5M | 4.1% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $10.1M | 3.4% | |
| 6 | First United Bank and Trust CompanyDurant, OK | 5 | $6.2M | 3.4% | |
| 7 | Capital Certified Development CorporationAustin, TX · CDC | 5 | $4.3M | 3.4% | |
| 8 | Security State Bank and TrustFredericksburg, TX | 5 | $2.7M | 3.4% | |
| 9 | Broadway National BankSan Antonio, TX | 5 | $2.4M | 3.4% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 4 | $8.9M | 2.7% | |
| 11 | Zions Bank, A Division ofSalt Lake City, UT | 4 | $2.1M | 2.7% | |
| 12 | Wells Fargo Bank National AssociationSioux Falls, SD | 4 | $1.9M | 2.7% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 4 | $1.7M | 2.7% | |
| 14 | Northeast BankLewiston, ME | 4 | $418K | 2.7% | |
| 15 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $4.5M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 12 | 8.2% | |
| 2 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 7 | 4.8% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 4.1% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 5 | 3.4% | |
| 5 | Offices of PhysiciansNAICS 6211 | 5 | 3.4% | |
| 6 | Personal Care ServicesNAICS 8121 | 5 | 3.4% | |
| 7 | Lessors of Real EstateNAICS 5311 | 4 | 2.7% | |
| 8 | Offices of DentistsNAICS 6212 | 4 | 2.7% | |
| 9 | Gasoline StationsNAICS 4571 | 4 | 2.7% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 22 | 15.1% | |
| 2 | Construction | 17 | 11.6% | |
| 3 | Health Care and Social Assistance | 16 | 11.0% | |
| 4 | Accommodation and Food Services | 15 | 10.3% | |
| 5 | Other Services (except Public Administration) | 11 | 7.5% | |
| 6 | Arts, Entertainment, and Recreation | 11 | 7.5% | |
| 7 | Real Estate and Rental and Leasing | 8 | 5.5% | |
| 8 | Transportation and Warehousing | 7 | 4.8% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 17 | $7.3M | $279K | 1 | — | 18 | 211 |
| FY2025 | 43 | $26.3M | $150K | 2 | — | 45 | 421 |
| FY2024 | 28 | $18.3M | $164K | 0 | — | 28 | 200 |
| FY2023 | 21 | $21.5M | $491K | 1 | — | 22 | 281 |
| FY2022 | 18 | $10.3M | $466K | 3 | $1.4M | 21 | 184 |
| FY2021 | 25 | $27.6M | $504K | 5 | $3.9M | 30 | 309 |
| FY2020 | 13 | $12.1M | $659K | 4 | $1.7M | 17 | 112 |
| FY2019 | 17 | $5.9M | $249K | 1 | — | 18 | 175 |
| FY2018 | 22 | $11.1M | $253K | 3 | $2.6M | 25 | 195 |
| FY2017 | 13 | $5.0M | $106K | 3 | $2.3M | 16 | 230 |
| FY2016 | 14 | $7.5M | $143K | 4 | $4.5M | 18 | 193 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 94 approvals.
Against Texas and the country
| FY2021–FY2025 | Guadalupe County | Texas | United States |
|---|---|---|---|
| Approvals | 146 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 52.7 | 37.2 | 41.0 |
| Median 7(a) approval | $312K | $320K | $190K |
| Median 504 approval | $554K | $974K | $657K |
| Average approval | $763K | $770K | $573K |
| 504 share of approvals | 7.5% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 9.6 | 12.6 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less11.0%16
- $50,001 to $150,00024.7%36
- $150,001 to $350,00015.1%22
- $350,001 to $1 million28.1%41
- $1 million to $2 million10.3%15
- Over $2 million11.0%16
Age of the businesses
- Existing, more than 2 years old41.8%61
- New business, 2 years or less19.9%29
- Startup, loan funds will open the business28.1%41
- Change of ownership10.3%15
Questions and answers
Which lenders make the most SBA loans in Guadalupe County?
By approvals in FY2021 to FY2025: The Huntington National Bank (12), BayFirst National Bank (10), Fifth Third Bank (8), Celtic Bank Corporation (6), Readycap Lending, LLC (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Guadalupe County?
The median 7(a) approval was $312K and the median 504 approval $554K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Guadalupe County?
Restaurants and Other Eating Places (12); Agencies, Brokerages, and Other Insurance Related Activities (7); Other Amusement and Recreation Industries (6); Building Equipment Contractors (5); Offices of Physicians (5).
Is SBA lending in Guadalupe County rising?
Approvals in the three latest complete fiscal years total 95, against 68 in the three before: rising (+40%).
How does Guadalupe County compare with the rest of Texas?
52.7 approvals per 1,000 establishments against 37.2 statewide, and 146 of the state's 24,935 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error