Small business loans in Corpus Christi, TX
Short answer
The most active SBA lenders in Corpus Christi, TX since FY2024 are Northeast Bank (10 loans) and Readycap Lending, LLC (6). The median loan was $226,100, and half fell between $120,050 and $610,150. For free help, see the Texas Small Business Development Center Network. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 80
- approved since FY2024
- $52.18M
- median loan
- $226,100
- through SBA Express
- 12.5%
Lenders making SBA loans in Corpus Christi
No lender made more than 12% of the loans in Corpus Christi, and Northeast Bank made the most. The four largest lenders together made 34%.
| Lender | Loans | Share |
|---|---|---|
| Northeast Bank | 10 | 12.5% |
| Readycap Lending, LLCNon-bank lender | 6 | 7.5% |
| The Huntington National Bank | 6 | 7.5% |
| BayFirst National Bank | 5 | 6.2% |
Share is the percent of all Corpus Christi loans in that period. Each name links to that lender's page for Texas where one exists.
Corpus Christi has four lenders with five or more loans since FY2024. Others had fewer, and the Texas page counts 355 lenders with at least one approved loan statewide.
Ask lending partners about a loan in Corpus Christi
Tell us what you need and we refer your request to lending partners.
Start my loan requestJanover 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.
Local help near Corpus Christi
Corpus Christi borrowers can start with SBA's district offices for Texas, an SBDC or SCORE.
36% of Corpus Christi borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA runs six district offices that cover Texas. Each page points to state and federal resources and to lenders in its area. The Texas Small Business Development Center Network gives free counseling across Texas.
- SBA Dallas / Fort Worth District OfficeSBA district office
- SBA El Paso District OfficeSBA district office
- SBA Houston District OfficeSBA district office
- SBA Lower Rio Grande Valley District OfficeSBA district office
- SBA San Antonio District OfficeSBA district office
- SBA West Texas District OfficeSBA district office
- Texas Small Business Development Center NetworkSmall Business Development Center
- SCORE mentors in TexasBusiness mentoring
Alongside SBA loans, Texas runs a loan program. The Texas page describes it, and the official page is linked here.
Loan counts and sizes in Corpus Christi
Corpus Christi ranks 27th by loans since FY2024 among the 50 Texas cities with 100 or more SBA loans since FY2020. Nationally it is the 292nd busiest of the 580 cities that reach 100 loans.
The 80 loans, 0.6% of the 12,702 in Texas, were approved for $52.2 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $226,100, 50% above the national median of $150,300. Half of the loans fell between $120,050 and $610,150. The Corpus Christi median is 18% below the Texas median of $275,000.
| Measure | Corpus Christi | Texas | U.S. |
|---|---|---|---|
| Loans | 80 | 12,702 | 162,355 |
| Median loan | $226,100 | $275,000 | $150,300 |
| 25th percentile | $120,050 | $111,000 | $50,000 |
| 75th percentile | $610,150 | $702,000 | $500,000 |
| Via SBA Express | 12.5% | 20.7% | 35.8% |
| Lines of credit | 12.5% | 17.7% | 28.1% |
| Startups | 23.8% | 23.8% | 16.1% |
| Ownership changes | 7.5% | 11.7% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | Fewer than 5 | 4.3% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
74% of the loans were $500,000 or less, the size SBA Express covers. 12.5% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 12.5% of loans, below the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
By business age, 56.2% of loans went to businesses more than two years old and 12.5% to businesses two years old or younger. Startups received 23.8% and changes of ownership 7.5%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume held steady from FY2024 (34 loans) to FY2025 (35), the two latest full years. The busiest full year in the file was FY2025, with 35 loans. FY2026 already shows 11 loans through June 30.
Of the 46 loans Corpus Christi borrowers received in FY2020 to FY2022, fewer than 5 were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. Lenders reported 860 jobs supported across the 80 loans since FY2024, about 10.8 per loan. SBA does not audit these estimates.
What businesses in Corpus Christi borrow for
Full-Service Restaurants was the largest borrower group in Corpus Christi, with 7 loans or 8.8% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 7 | 8.8% | 4.6% |
| All Other Specialty Trade Contractors | 5 | 6.2% | 1.7% |
Share is the percent of all Corpus Christi loans in that period. Industry is the NAICS code on each loan. A name links to the Texas page for that industry where one exists.
A typical loan payment in Corpus Christi
The median Corpus Christi loan was $226,100 with a median term of 10 years.
The median variable-rate loan in Corpus Christi was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $226,100 over 10 years, principal and interest would come to about $2,957 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $120,050 | $1,570 |
| Median loan | $226,100 | $2,957 |
| 75th percentile loan | $610,150 | $7,979 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $226,100 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Corpus Christi loans approved since FY2024 had a median starting rate of 10.5% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $250,000 loan and SBA Express payment calculator.
SBA 504 loans near Corpus Christi
Corpus Christi has 6 SBA 504 loans since FY2024, with $4.9 million in SBA and CDC dollars.
The median 504 loan in Corpus Christi was $698,000 in SBA and CDC dollars, 14% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.
Capital Certified Development Corporation is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 11 since FY2020.
| Certified Development Company | 504 loans |
|---|---|
| Capital Certified Development Corporation | 11 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Texas cities near Corpus Christi
Corpus Christi made up 0.6% of Texas's SBA loans since FY2024.
Corpus Christi is one of 50 Texas cities with 100 or more SBA loans since FY2020. The Texas page covers all 12,702 loans in Texas. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Corpus Christi
Which lenders make the most SBA loans in Corpus Christi?
Northeast Bank leads with 10 loans in Corpus Christi since FY2024. Readycap Lending, LLC (6) and The Huntington National Bank (6) follow. Only lenders with five or more Corpus Christi loans are counted.
Which industries get SBA loans in Corpus Christi?
Full-Service Restaurants leads with 7 loans in Corpus Christi since FY2024. All Other Specialty Trade Contractors (5) follows.
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. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Dallas / Fort Worth District Office
- SBA El Paso District Office
- SBA Houston District Office
- SBA Lower Rio Grande Valley District Office
- SBA San Antonio District Office
- SBA West Texas District Office
- Texas Small Business Development Center Network
- SCORE, Texas
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
Download this page's data: JSON · CSV
Cite this page: Small business loans in Corpus Christi, TX. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/texas-small-business-loans/corpus-christi/
Ask lending partners about a loan in Corpus Christi
Tell us what you need and we refer your request 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.