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County52nd of 227 in Texas by approvalsFIPS 48213
SBA loans in Henderson 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 Henderson County, Texas, received 39 SBA loan approvals worth $55.5M in FY2021 to FY2025 (33 7(a), 6 504).
That is 25.6 approvals per 1,000 business establishments (1,521 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 52nd of 227 Texas counties with approvals. In FY2025 there were 12, about level with FY2024.
28 lenders had approvals here; the most active were Readycap Lending, LLC (3), Metro City Bank (3) and US Metro Bank (2). The most common industry was traveler accommodation.
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 Henderson County
By number of approvals to businesses in the county, FY2021–FY2025; 28 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $5.7M | 7.7% | |
| 2 | Metro City BankDoraville, GA | 3 | $3.7M | 7.7% | |
| 3 | US Metro BankGarden Grove, CA | 2 | — | 5.1% | |
| 4 | Bank Five NineOconomowoc, WI | 2 | — | 5.1% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 2 | — | 5.1% | |
| 6 | PeopleFundAustin, TX | 2 | — | 5.1% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 2 | — | 5.1% | |
| 8 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 5.1% | |
| 9 | Bank of HopeLos Angeles, CA | 1 | — | 2.6% | |
| 10 | North Texas Certified Development CorporationPlano, TX · CDC | 1 | — | 2.6% | |
| 11 | Port 51 Lending LLCNew York, NY | 1 | — | 2.6% | |
| 12 | VeraBank National AssociationHenderson, TX | 1 | — | 2.6% | |
| 13 | Plains State BankHumble, TX | 1 | — | 2.6% | |
| 14 | Enterprise Bank & TrustClayton, MO | 1 | — | 2.6% | |
| 15 | Greater East Texas Certified Development CompanyTyler, TX · CDC | 1 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 8 | 20.5% | |
| 2 | Gasoline StationsNAICS 4571 | 4 | 10.3% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 10.3% | |
| 4 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 5.1% | |
| 5 | Computer Systems Design and Related ServicesNAICS 5415 | 2 | 5.1% | |
| 6 | Continuing Care Retirement Communities and Assisted Living Facilities for the ElderlyNAICS 6233 | 1 | 2.6% | |
| 7 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 2.6% | |
| 8 | Local Messengers and Local DeliveryNAICS 4922 | 1 | 2.6% | |
| 9 | Lessors of Real EstateNAICS 5311 | 1 | 2.6% | |
| 10 | Activities Related to Real EstateNAICS 5313 | 1 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 35.9% | |
| 2 | Retail Trade | 8 | 20.5% | |
| 3 | Transportation and Warehousing | 4 | 10.3% | |
| 4 | Professional, Scientific, and Technical Services | 3 | 7.7% | |
| 5 | Health Care and Social Assistance | 2 | 5.1% | |
| 6 | Real Estate and Rental and Leasing | 2 | 5.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 2 | 5.1% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 1 | 2.6% |
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* | 4 | $2.9M | $132K | 0 | — | 4 | 70 |
| FY2025 | 10 | $15.6M | $797K | 2 | — | 12 | 99 |
| FY2024 | 11 | $9.6M | $240K | 1 | — | 12 | 65 |
| FY2023 | 0 | — | — | 0 | — | 0 | 0 |
| FY2022 | 5 | $6.8M | $350K | 1 | — | 6 | 38 |
| FY2021 | 7 | $12.6M | $1.2M | 2 | — | 9 | 135 |
| FY2020 | 7 | $5.9M | $1.1M | 2 | — | 9 | 123 |
| FY2019 | 6 | $3.8M | $376K | 3 | $2.1M | 9 | 72 |
| FY2018 | 4 | $1.7M | $458K | 0 | — | 4 | 9 |
| FY2017 | 2 | — | — | 0 | — | 2 | 12 |
| FY2016 | 2 | — | — | 0 | — | 2 | 16 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 26 approvals.
Against Texas and the country
| FY2021–FY2025 | Henderson County | Texas | United States |
|---|---|---|---|
| Approvals | 39 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 25.6 | 37.2 | 41.0 |
| Median 7(a) approval | $851K | $320K | $190K |
| Median 504 approval | $1.3M | $974K | $657K |
| Average approval | $1.4M | $770K | $573K |
| 504 share of approvals | 15.4% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 8.6 | 12.6 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less5.1%2
- $50,001 to $150,00025.6%10
- $150,001 to $350,0007.7%3
- $350,001 to $1 million15.4%6
- $1 million to $2 million20.5%8
- Over $2 million25.6%10
Age of the businesses
- Existing, more than 2 years old53.8%21
- New business, 2 years or less15.4%6
- Startup, loan funds will open the business17.9%7
- Change of ownership12.8%5
Questions and answers
Which lenders make the most SBA loans in Henderson County?
By approvals in FY2021 to FY2025: Readycap Lending, LLC (3), Metro City Bank (3), US Metro Bank (2), Bank Five Nine (2), BayFirst National Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Henderson County?
The median 7(a) approval was $851K and the median 504 approval $1.3M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Henderson County?
Traveler Accommodation (8); Gasoline Stations (4); Restaurants and Other Eating Places (4); RV (Recreational Vehicle) Parks and Recreational Camps (2); Computer Systems Design and Related Services (2).
Is SBA lending in Henderson County rising?
Approvals in the three latest complete fiscal years total 24, against 24 in the three before: broadly level (0%).
How does Henderson County compare with the rest of Texas?
25.6 approvals per 1,000 establishments against 37.2 statewide, and 39 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