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County5th of 227 in Texas by approvalsFIPS 48453
SBA loans in Travis 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.
SBA approved 1,578 loans to businesses in Travis County, Texas, in FY2021 to FY2025, worth $1.13bn: 1,432 under 7(a) and 146 under 504.
That is 36.8 approvals per 1,000 business establishments (42,837 establishments in 2023), close to the Texas figure of 37.2 and close to the national 41.0.
It ranks 5th of 227 Texas counties with approvals. In FY2025 there were 466, up 38% on FY2024.
164 lenders had approvals here; the most active were The Huntington National Bank (143), Capital Certified Development Corporation (102) and Northeast Bank (86). 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 Travis County
By number of approvals to businesses in the county, FY2021–FY2025; 164 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 143 | $72.6M | 9.1% | |
| 2 | Capital Certified Development CorporationAustin, TX · CDC | 102 | $138M | 6.5% | |
| 3 | Northeast BankLewiston, ME | 86 | $13.2M | 5.4% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 73 | $23.3M | 4.6% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 70 | $12.0M | 4.4% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 66 | $37.1M | 4.2% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 60 | $89.5M | 3.8% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 57 | $31.3M | 3.6% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 56 | $15.1M | 3.5% | |
| 10 | Bank of America, National AssociationCharlotte, NC | 31 | $19.8M | 2.0% | |
| 11 | Fifth Third BankCincinnati, OH | 31 | $13.7M | 2.0% | |
| 12 | Frost BankSan Antonio, TX | 26 | $18.5M | 1.6% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 26 | $14.8M | 1.6% | |
| 14 | Third Coast BankHumble, TX | 26 | $13.8M | 1.6% | |
| 15 | Lendistry SBLC, LLCLos Angeles, CA | 26 | $4.8M | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 132 | 8.4% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 64 | 4.1% | |
| 3 | Personal Care ServicesNAICS 8121 | 59 | 3.7% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 55 | 3.5% | |
| 5 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 54 | 3.4% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 48 | 3.0% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 47 | 3.0% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 46 | 2.9% | |
| 9 | Computer Systems Design and Related ServicesNAICS 5415 | 43 | 2.7% | |
| 10 | Other Personal ServicesNAICS 8129 | 34 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 270 | 17.1% | |
| 2 | Accommodation and Food Services | 172 | 10.9% | |
| 3 | Health Care and Social Assistance | 165 | 10.5% | |
| 4 | Other Services (except Public Administration) | 165 | 10.5% | |
| 5 | Retail Trade | 153 | 9.7% | |
| 6 | Construction | 148 | 9.4% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 100 | 6.3% | |
| 8 | Arts, Entertainment, and Recreation | 79 | 5.0% |
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* | 227 | $128M | $300K | 21 | $30.8M | 248 | 2,976 |
| FY2025 | 435 | $257M | $270K | 31 | $45.1M | 466 | 5,179 |
| FY2024 | 324 | $156M | $245K | 14 | $25.4M | 338 | 3,333 |
| FY2023 | 251 | $178M | $350K | 15 | $21.1M | 266 | 3,592 |
| FY2022 | 218 | $166M | $350K | 45 | $53.4M | 263 | 3,442 |
| FY2021 | 204 | $186M | $500K | 41 | $44.4M | 245 | 2,507 |
| FY2020 | 204 | $154M | $350K | 27 | $24.5M | 231 | 2,547 |
| FY2019 | 224 | $137M | $250K | 22 | $19.4M | 246 | 3,086 |
| FY2018 | 281 | $157M | $249K | 19 | $19.2M | 300 | 3,699 |
| FY2017 | 339 | $150M | $150K | 24 | $26.2M | 363 | 4,534 |
| FY2016 | 309 | $142M | $200K | 20 | $27.0M | 329 | 4,437 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,469 approvals.
Against Texas and the country
| FY2021–FY2025 | Travis County | Texas | United States |
|---|---|---|---|
| Approvals | 1,578 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 36.8 | 37.2 | 41.0 |
| Median 7(a) approval | $330K | $320K | $190K |
| Median 504 approval | $936K | $974K | $657K |
| Average approval | $717K | $770K | $573K |
| 504 share of approvals | 9.3% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 11.4 | 12.6 | 10.5 |
| Share of state approvals | 6.3% | 100.0% | — |
Approval sizes
- $50,000 or less12.9%203
- $50,001 to $150,00020.0%316
- $150,001 to $350,00018.8%297
- $350,001 to $1 million27.7%437
- $1 million to $2 million11.1%175
- Over $2 million9.5%150
Age of the businesses
- Existing, more than 2 years old56.6%893
- New business, 2 years or less14.7%232
- Startup, loan funds will open the business20.5%324
- Change of ownership8.0%127
- Not answered0.1%2
Questions and answers
Which lenders make the most SBA loans in Travis County?
By approvals in FY2021 to FY2025: The Huntington National Bank (143), Capital Certified Development Corporation (102), Northeast Bank (86), Wells Fargo Bank National Association (73), BayFirst National Bank (70). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Travis County?
The median 7(a) approval was $330K and the median 504 approval $936K; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Travis County?
Restaurants and Other Eating Places (132); Offices of Other Health Practitioners (64); Personal Care Services (59); Other Amusement and Recreation Industries (55); Other Professional, Scientific, and Technical Services (54).
Is SBA lending in Travis County rising?
Approvals in the three latest complete fiscal years total 1,070, against 739 in the three before: rising (+45%).
How does Travis County compare with the rest of Texas?
36.8 approvals per 1,000 establishments against 37.2 statewide, and 1,578 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