# SBA loans to convenience stores in Texas **Short answer:** SBA's loan file shows 55 loans to convenience stores in Texas since October 2023. None of them were lines of credit, against 25.8% nationally. 12.7% went through SBA Express, against 36.0% nationally. Canonical page: https://www.sbaexpress.loans/industries/convenience-retailers/texas/ Data as of: 2026-06-30 These are the 55 SBA 7(a) loans to [convenience stores](https://www.sbaexpress.loans/industries/convenience-retailers/) in [Texas](https://www.sbaexpress.loans/texas-small-business-loans/) approved October 2023 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. ## How Texas differs from the U.S. **What this means for you.** Lines of credit were less common here, so most of these loans were term loans repaid on a set schedule. ### Lines of credit None of the 55 loans in Texas were lines of credit, against 25.8% nationally. Lines of credit, share of loans, Oct 2023 to Jun 2026 - Texas: 0.0% - United States: 25.8% ### SBA Express 12.7% of the loans in Texas went through SBA Express, against 36.0% nationally. SBA Express, share of loans, Oct 2023 to Jun 2026 - Texas: 12.7% - United States: 36.0% ### Loan size The median loan was $604,000 in Texas, 2.9 times the national median of $210,000. The middle half of loans in Texas ran from $208,750 to $1,104,500. Nationally the middle half ran from $50,000 to $670,650. Median loan, Oct 2023 to Jun 2026 - Texas: $604,000 - United States: $210,000 We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure. ## Texas next to the U.S. **Texas compared with all loans to convenience stores in the U.S., October 2023 to June 2026** | Measure | Texas | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 0.43% | 0.38% | No clear gap | | Median loan | $604,000 | $210,000 | Clearly higher | | Middle half of loans | $208,750 to $1,104,500 | $50,000 to $670,650 | – | | Startups (the loan opens the business) | 18.2% | 10.8% | No clear gap | | In business 2 years or less | 14.5% | 18.3% | No clear gap | | In business more than 2 years | 45.5% | 49.9% | No clear gap | | Change of ownership | 21.8% | 21.0% | No clear gap | | SBA Express | 12.7% | 36.0% | Clearly lower | | Lines of credit | 0.0% | 25.8% | Clearly lower | | Median term | 25 years | 10 years | – | | Median spread over Prime at approval | 1.5 points over Prime | 2.25 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 2 lenders below made 12 of the 55 loans approved October 2023 to June 2026, or 21.8%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Texas** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Bank of Hope](https://www.sbaexpress.loans/sba-express-lenders/bank-of-hope/) | 6 | 10.9% | Not in top 5 | | [Metro City Bank](https://www.sbaexpress.loans/sba-express-lenders/metro-city-bank/) | 6 | 10.9% | Not in top 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. ## Convenience stores in other states Other states where these loans differ clearly from the national pattern, most loans first. **Convenience stores by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/convenience-retailers/california/) | 166 | | [Washington](https://www.sbaexpress.loans/industries/convenience-retailers/washington/) | 99 | | [Ohio](https://www.sbaexpress.loans/industries/convenience-retailers/ohio/) | 68 | ## More industries in Texas Other industries in Texas with a clear difference from the national pattern, most loans first. **Other industries in Texas** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/texas/) | 1,118 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/texas/) | 943 | | [Hotels and motels](https://www.sbaexpress.loans/industries/hotels-motels/texas/) | 717 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/texas/) | 686 | | [Coffee shops, ice cream parlors, juice and tea bars and doughnut shops](https://www.sbaexpress.loans/industries/snack-nonalcoholic-beverage-bars/texas/) | 568 | | [Child care centers and preschools](https://www.sbaexpress.loans/industries/child-care-services/texas/) | 551 | | [Insurance agencies and brokerages](https://www.sbaexpress.loans/industries/insurance-agencies-brokerages/texas/) | 456 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/texas/) | 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, 2023 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](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)