County29th of 227 in Texas by approvalsFIPS 48479
SBA loans in Webb 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 Webb County, Texas, received 130 SBA loan approvals worth $99.6M in FY2021 to FY2025 (112 7(a), 18 504).
That is 22.3 approvals per 1,000 business establishments (5,840 establishments in 2023), below the Texas figure of 37.2 and below the national 41.0.
It ranks 29th of 227 Texas counties with approvals. In FY2025 there were 24, down 27% on FY2024.
33 lenders had approvals here; the most active were PNC Bank, National Association (26), Texas Certified Development Company, Inc. (12) and BayFirst National Bank (11). The most common industry was general freight trucking.
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 Webb County
By number of approvals to businesses in the county, FY2021–FY2025; 33 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | PNC Bank, National AssociationWilmington, DE | 26 | $8.2M | 20.0% | |
| 2 | Texas Certified Development Company, Inc.Austin, TX · CDC | 12 | $32.9M | 9.2% | |
| 3 | BayFirst National BankSaint Petersburg, FL | 11 | $1.4M | 8.5% | |
| 4 | PeopleFundAustin, TX | 9 | $1.5M | 6.9% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 7 | $454K | 5.4% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 6 | $3.0M | 4.6% | |
| 7 | TowneBankPortsmouth, VA | 5 | $7.3M | 3.8% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $2.3M | 3.8% | |
| 9 | The Huntington National BankColumbus, OH | 5 | $999K | 3.8% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 4 | $5.6M | 3.1% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $4.2M | 2.3% | |
| 12 | LiftFund, Inc.San Antonio, TX · CDC | 3 | $1.6M | 2.3% | |
| 13 | Lendistry SBLC, LLCLos Angeles, CA | 3 | $855K | 2.3% | |
| 14 | Northeast BankLewiston, ME | 3 | $550K | 2.3% | |
| 15 | LiftFund, Inc.San Antonio, TX | 3 | $257K | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 30 | 23.1% | |
| 2 | Freight Transportation ArrangementNAICS 4885 | 6 | 4.6% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 3.8% | |
| 4 | Nonresidential Building ConstructionNAICS 2362 | 5 | 3.8% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 5 | 3.8% | |
| 6 | Traveler AccommodationNAICS 7211 | 4 | 3.1% | |
| 7 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 4 | 3.1% | |
| 8 | Grocery StoresNAICS 4451 | 3 | 2.3% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 3 | 2.3% | |
| 10 | Clothing and Clothing Accessories RetailersNAICS 4581 | 3 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 43 | 33.1% | |
| 2 | Retail Trade | 14 | 10.8% | |
| 3 | Health Care and Social Assistance | 14 | 10.8% | |
| 4 | Construction | 12 | 9.2% | |
| 5 | Accommodation and Food Services | 10 | 7.7% | |
| 6 | Wholesale Trade | 10 | 7.7% | |
| 7 | Professional, Scientific, and Technical Services | 7 | 5.4% | |
| 8 | Other Services (except Public Administration) | 6 | 4.6% |
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* | 12 | $6.3M | $150K | 1 | — | 13 | 216 |
| FY2025 | 21 | $12.1M | $150K | 3 | $8.5M | 24 | 178 |
| FY2024 | 28 | $15.3M | $150K | 5 | $10.6M | 33 | 726 |
| FY2023 | 28 | $13.6M | $125K | 2 | — | 30 | 474 |
| FY2022 | 11 | $6.0M | $150K | 4 | $5.9M | 15 | 264 |
| FY2021 | 24 | $14.4M | $115K | 4 | $6.8M | 28 | 218 |
| FY2020 | 14 | $8.5M | $98K | 4 | $3.1M | 18 | 110 |
| FY2019 | 11 | $5.0M | $93K | 2 | — | 13 | 117 |
| FY2018 | 19 | $2.0M | $60K | 3 | $2.7M | 22 | 312 |
| FY2017 | 43 | $3.1M | $25K | 3 | $2.8M | 46 | 253 |
| FY2016 | 71 | $9.8M | $28K | 3 | $6.1M | 74 | 587 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 173 approvals.
Against Texas and the country
| FY2021–FY2025 | Webb County | Texas | United States |
|---|---|---|---|
| Approvals | 130 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 22.3 | 37.2 | 41.0 |
| Median 7(a) approval | $150K | $320K | $190K |
| Median 504 approval | $1.7M | $974K | $657K |
| Average approval | $766K | $770K | $573K |
| 504 share of approvals | 13.8% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 14.3 | 12.6 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less25.4%33
- $50,001 to $150,00025.4%33
- $150,001 to $350,00013.8%18
- $350,001 to $1 million12.3%16
- $1 million to $2 million7.7%10
- Over $2 million15.4%20
Age of the businesses
- Existing, more than 2 years old73.1%95
- New business, 2 years or less12.3%16
- Startup, loan funds will open the business12.3%16
- Change of ownership1.5%2
- Not answered0.8%1
Questions and answers
Which lenders make the most SBA loans in Webb County?
By approvals in FY2021 to FY2025: PNC Bank, National Association (26), Texas Certified Development Company, Inc. (12), BayFirst National Bank (11), PeopleFund (9), Wells Fargo Bank National Association (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Webb County?
The median 7(a) approval was $150K and the median 504 approval $1.7M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Webb County?
General Freight Trucking (30); Freight Transportation Arrangement (6); Restaurants and Other Eating Places (5); Nonresidential Building Construction (5); Offices of Other Health Practitioners (5).
Is SBA lending in Webb County rising?
Approvals in the three latest complete fiscal years total 87, against 61 in the three before: rising (+43%).
How does Webb County compare with the rest of Texas?
22.3 approvals per 1,000 establishments against 37.2 statewide, and 130 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