TEXAS · NAICS 31-33
Texas manufacturing projects benefit from the strongest 2026 program economics, with 7(a) fees waived on loans up to $950,000, 504 fees waived entirely, and a $5.5 million debenture. Studies validate throughput, capacity, order-book assumptions, and the capital plan that supports a viable operating model through the loan term in fast-growth I-35 corridor submarkets.
FEASIBILITY TRIGGER
Fiscal 2026 gives manufacturers the strongest program economics, with 7(a) fees waived on loans up to $950,000, 504 fees waived entirely, and a $5.5 million debenture; studies validate throughput, capacity, and order-book assumptions.
From FY2010 through FY2026, Texas recorded 3,688 SBA-disbursed manufacturing loans across the 7(a) and 504 programs, representing $2.56 billion in approved financing at an average loan size of $693,000. The state sits at rank #2 of 38 for manufacturing SBA lending volume and holds 6.5% of the national manufacturing dollar pool. 7(a) accounts for 90.9% of the count, 504 for the rest, with 508 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 3,688 |
| Approved volume | $2.56 billion |
| Average loan size | $693,000 |
| 7(a) share | 90.9% |
| Approvals since FY2024 | 508 |
| State rank by loan count | #2 of 38 |
Among the 2,804 seasoned loans in this segment (approvals FY2010–FY2021), 9.1% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for manufacturing is 6.6%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 9.1% adverse-resolution rate against the national manufacturing benchmark of 6.6% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Texas deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $693,000 across 3,688 loans.
Every Texas manufacturing project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Texas projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit, which matters for larger Texas Triangle and I-35 corridor projects.
Texas growth-corridor manufacturing draws active 504 capital, with named evidence including KoMiCo Technology's Round Rock advanced manufacturing facility and T-Top Manufacturing in Bridgeport.
For a national view of this asset class, see our manufacturing SBA feasibility overview, and read our related analysis in the manufacturing lending research on our blog.
Compare neighboring markets: Tennessee, Virginia, California.
Public SBA and CDC program records, cited as program evidence
SBA 504 through PeopleFund and Nara Bank
Advanced manufacturing facility
Round Rock, Williamson County
SBA 504 through Capital CDC
Manufacturing facility
Bridgeport, Wise County
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
Book a Meeting