Finance a Texas business or property

Under SBA rules effective October 1, 2026, the equity injection is 10 percent of total project cost on business acquisitions, and it cannot be reduced or waived on an initial acquisition. On special purpose property such as hotels and gas stations, a 504 lender may look for 15 percent. Not a commitment to lend. Subject to lender underwriting. Terms vary by borrower.

A 7(a) loan is the general purpose option and can fund the business, the real estate, working capital and inventory in one facility, up to $5 million. A 504 loan is built for real estate and major equipment, splits across a bank and a certified development company, and often carries a lower fixed rate on the property portion. Not a commitment to lend. Subject to lender underwriting. Terms vary by borrower.

A typical SBA acquisition closes in 60 to 90 days from a complete application. Hotels and fuel properties run at the longer end because of the environmental review, the appraisal and any brand approval. Incomplete financials from the seller are the single most common reason a file stalls. Not a commitment to lend. Subject to lender underwriting. Terms vary by borrower.

No. Business Advisory Services arranges the financing and works the file with the lender, and the lender makes the credit decision. Where compensation is received from both the seller and a lender on the same transaction, that is disclosed in writing to both parties, as federal rules require. Not a commitment to lend. Subject to lender underwriting. Terms vary by borrower.

Yes, if the brand appears on the SBA Franchise Directory at the time the loan is approved. Executed franchise documents and any required SBA addendum must be in place before funds are disbursed. Brands move on and off the directory, so it is worth checking the current entry before an offer. Not a commitment to lend. Subject to lender underwriting. Terms vary by borrower.