SBA loans to clothing and accessories stores in Texas
Short answer
SBA's loan file shows 156 loans to clothing and accessories stores in Texas since October 2019. 21.8% went through SBA Express, against 40.5% nationally. 18.6% were lines of credit, against 29.8% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 156
- median loan
- $150,000
- dollars approved
- $50M
- went through SBA Express
- 21.8%
These are the 156 SBA 7(a) loans to clothing and accessories stores in Texas approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other.
How Texas differs from the U.S.
What this means for you. SBA Express was a less common route here, so most of these loans went through other 7(a) loan types.
SBA Express
21.8% of the loans in Texas went through SBA Express, against 40.5% nationally.
Lines of credit
18.6% of the loans in Texas were lines of creditA credit limit you can draw on, repay and draw on again. , against 29.8% nationally.
We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure.
Texas next to the U.S.
| Measure | Texas | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.61% | 0.58% | No clear gap |
| Median loan | $150,000 | $104,000 | No clear gap |
| Middle half of loans | $50,000 to $350,000 | $45,000 to $259,650 | – |
| Startups (the loan opens the business) | 16.0% | 12.8% | No clear gap |
| In business 2 years or less | 19.2% | 18.3% | No clear gap |
| In business more than 2 years | 56.4% | 62.6% | No clear gap |
| Change of ownership | 8.3% | 6.2% | No clear gap |
| SBA Express | 21.8% | 40.5% | Clearly lower |
| Lines of credit | 18.6% | 29.8% | Clearly lower |
| Median term | 10 years | 10 years | – |
| Median spread over Prime at approval | 2.75 points over Prime | 2.75 points over Prime | – |
Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference.
Who lends in Texas
The 5 lenders below made 58 of the 156 loans approved October 2019 to June 2026, or 37.2%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| Wells Fargo Bank | 18 | 11.5% | 5.1% |
| Newtek Bank | 14 | 9.0% | 5.4% |
| Northeast Bank (Portland, ME) | 10 | 6.4% | Not in top 5 |
| BayFirst National Bank | 8 | 5.1% | Not in top 5 |
| Readycap Lending, LLC | 8 | 5.1% | 5.5% |
Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry.
Clothing and accessories stores in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| California | 219 |
| New York | 212 |
| Ohio | 94 |
| Pennsylvania | 57 |
More industries in Texas
Other industries in Texas with a clear difference from the national pattern, most loans first.
| Industry | Loans since October 2019 |
|---|---|
| Sit-down restaurants | 1,118 |
| Fast-food, pizza and counter-service restaurants | 943 |
| Hotels and motels | 717 |
| Gyms, fitness studios and recreational sports centers | 686 |
| Coffee shops, ice cream parlors, juice and tea bars and doughnut shops | 568 |
| Child care centers and preschools | 551 |
| Insurance agencies and brokerages | 456 |
| Plumbing and HVAC companies | 440 |
How to read this
Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. How we build these pages.
Download this page's data: JSON · CSV
Cite this page: SBA loans to clothing and accessories stores in Texas. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/clothing-clothing-accessories-retailers/texas/
Ask lending partners about your loan in Texas
Tell us your state, loan amount and purpose, and we route your inquiry to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.