SBA loans to finish carpentry and cabinet installers in Texas
Short answer
SBA's loan file shows 55 loans to finish carpentry and cabinet installers in Texas since October 2019. 32.7% went to startups, against 9.9% nationally. 41.8% went through SBA Express, against 63.8% nationally.
- SBA loans, Oct 2019 to Jun 2026
- 55
- median loan
- $150,000
- dollars approved
- $16.58M
- went to startups
- 32.7%
These are the 55 SBA 7(a) loans to finish carpentry and cabinet installers 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. If yours is a new business, lenders in Texas funded startups more often here than lenders did nationally.
Startups
32.7% of the loans in Texas went to startups, where the loan opens the business, against 9.9% nationally.
SBA Express
41.8% of the loans in Texas went through SBA Express, against 63.8% nationally.
How common it is
Finish carpentry and cabinet installers made up 0.21% of the SBA loans approved in Texas since October 2019, against 0.35% of loans nationwide. Its share here is 62% of its national share.
We compared 8 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.
| Measure | Texas | United States | Reading |
|---|---|---|---|
| Industry's share of all SBA loans | 0.21% | 0.35% | Clearly lower |
| Median loan | $150,000 | $99,000 | No clear gap |
| Middle half of loans | $87,000 to $282,000 | $30,000 to $229,650 | – |
| Startups (the loan opens the business) | 32.7% | 9.9% | Clearly higher |
| In business 2 years or less | 12.7% | 15.6% | No clear gap |
| In business more than 2 years | 52.7% | 67.5% | No clear gap |
| Change of ownership | Fewer than 5 | 6.1% | n/a |
| SBA Express | 41.8% | 63.8% | Clearly lower |
| Lines of credit | 32.7% | 48.7% | No clear gap |
| 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 2 lenders below made 15 of the 55 loans approved October 2019 to June 2026, or 27.3%. A lender is listed when it has 5 or more of them, five at most.
| Lender | Loans | Share here | U.S. share |
|---|---|---|---|
| United Midwest Savings Bank | 10 | 18.2% | 4.2% |
| The Huntington National Bank | 5 | 9.1% | 12.6% |
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.
Finish carpentry and cabinet installers in other states
Other states where these loans differ clearly from the national pattern, most loans first.
| State | Loans since October 2019 |
|---|---|
| Florida | 132 |
| Ohio | 94 |
| California | 93 |
| New York | 74 |
| Michigan | 59 |
| Massachusetts | 50 |
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.
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Cite this page: SBA loans to finish carpentry and cabinet installers in Texas. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/industries/finish-carpentry-contractors/texas/
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