Small business loans in Fort Worth, TX
Short answer
The most active SBA lenders in Fort Worth, TX since FY2024 are The Huntington National Bank (49 loans) and Readycap Lending, LLC (21). The median loan was $312,500, and half fell between $120,000 and $870,700. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 388
- approved since FY2024
- $293.33M
- median loan
- $312,500
- through SBA Express
- 22.2%
Lenders making SBA loans in Fort Worth
No lender made more than 13% of the loans in Fort Worth, and The Huntington National Bank made the most. The five largest lenders together made 29%.
| Lender | Loans | Share |
|---|---|---|
| The Huntington National Bank | 49 | 12.6% |
| Readycap Lending, LLCNon-bank lender | 21 | 5.4% |
| JPMorgan Chase Bank | 18 | 4.6% |
| BayFirst National Bank | 13 | 3.4% |
| Newtek Bank | 13 | 3.4% |
Share is the percent of all Fort Worth loans in that period. Each name links to that lender's page for Texas where one exists.
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Local help near Fort Worth
Fort Worth borrowers can start with SBA's district offices for Texas, an SBDC or SCORE.
39% of Fort Worth 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. The SBA Dallas / Fort Worth District Office comes first below because its name matches Fort Worth.
- 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 Fort Worth
Fort Worth ranks 5th by loans since FY2024 among the 50 Texas cities with 100 or more SBA loans since FY2020. Nationally it is the 29th busiest of the 580 cities that reach 100 loans.
The 388 loans, 3.1% of the 12,702 in Texas, were approved for $293.3 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $312,500, 2.1 times the national median of $150,300. Half of the loans fell between $120,000 and $870,700. The Fort Worth median is 14% above the Texas median of $275,000.
| Measure | Fort Worth | Texas | U.S. |
|---|---|---|---|
| Loans | 388 | 12,702 | 162,355 |
| Median loan | $312,500 | $275,000 | $150,300 |
| 25th percentile | $120,000 | $111,000 | $50,000 |
| 75th percentile | $870,700 | $702,000 | $500,000 |
| Via SBA Express | 22.2% | 20.7% | 35.8% |
| Lines of credit | 20.6% | 17.7% | 28.1% |
| Startups | 25.8% | 23.8% | 16.1% |
| Ownership changes | 14.7% | 11.7% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.73 | 2.75 | 2.75 |
| Charged off | 4.7% | 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.
65% of the loans were $500,000 or less, the size SBA Express covers. 22.2% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 20.6% 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, 46.4% of loans went to businesses more than two years old and 13.1% to businesses two years old or younger. Startups received 25.8% and changes of ownership 14.7%. The national startup share is 16.1%.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume fell 8% from FY2024 (148 loans) to FY2025 (136), the two latest full years. The busiest full year in the file was FY2024, with 148 loans. FY2026 already shows 104 loans through June 30.
Of the 299 loans Fort Worth borrowers received in FY2020 to FY2022, 4.7% 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 5,507 jobs supported across the 388 loans since FY2024, about 14.2 per loan. SBA does not audit these estimates.
What businesses in Fort Worth borrow for
Full-Service Restaurants was the largest borrower group in Fort Worth, with 18 loans or 4.6% of the total.
The five largest industries made up 17% of all Fort Worth loans.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 18 | 4.6% | 4.6% |
| Fitness and Recreational Sports Centers | 13 | 3.4% | 2.1% |
| Limited-Service Restaurants | 13 | 3.4% | 3.3% |
| Insurance Agencies and Brokerages | 11 | 2.8% | 1.1% |
| Plumbing, Heating, and Air-Conditioning Contractors | 10 | 2.6% | 1.9% |
Share is the percent of all Fort Worth 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 Fort Worth
The median Fort Worth loan was $312,500 with a median term of 10 years.
The median variable-rate loan in Fort Worth was priced at Prime plus 2.73 percentage points at approval. At today's Prime that spread works out to 9.73%. On $312,500 over 10 years, principal and interest would come to about $4,083 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $120,000 | $1,568 |
| Median loan | $312,500 | $4,083 |
| 75th percentile loan | $870,700 | $11,377 |
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 $312,500 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 1.8 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Fort Worth loans approved since FY2024 had a median starting rate of 10% 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 $300,000 loan and SBA Express payment calculator.
SBA 504 loans near Fort Worth
Fort Worth has 17 SBA 504 loans since FY2024, with $20.0 million in SBA and CDC dollars.
The median 504 loan in Fort Worth was $829,000 in SBA and CDC dollars, 17% 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 Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on the most loans since FY2020, with 16. Greater East Texas Certified Development Company follows with 11. The three CDCs listed are named on 34 loans between them.
| Certified Development Company | 504 loans |
|---|---|
| Capital Certified Development Corporation | 16 |
| Greater East Texas Certified Development Company | 11 |
| LiftFund, Inc. | 7 |
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 Fort Worth
Fort Worth made up 3.1% of Texas's SBA loans since FY2024.
Fort Worth 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 Fort Worth
Which lenders make the most SBA loans in Fort Worth?
The Huntington National Bank leads with 49 loans in Fort Worth since FY2024. Readycap Lending, LLC (21) and JPMorgan Chase Bank (18) follow. Only lenders with five or more Fort Worth loans are counted.
Which industries get SBA loans in Fort Worth?
Full-Service Restaurants leads with 18 loans in Fort Worth since FY2024. Fitness and Recreational Sports Centers (13) and Limited-Service Restaurants (13) follow.
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)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Fort Worth, TX. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/texas-small-business-loans/fort-worth/
Ask lending partners about a loan in Fort Worth
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.