TEXAS · NAICS 531130
Texas self-storage projects sit in one of the country's most active Sun Belt supply pipelines. Studies analyze competitive square footage per capita inside a tight radius, unit mix, climate-controlled premium, rent benchmarks, and absorption against documented household and small-business demand in fast-growth submarkets.
FEASIBILITY TRIGGER
Self-storage is special-purpose under the SOP; studies analyze supply within a three to five mile radius, absorption, and rent benchmarks.
From FY2010 through FY2026, Texas recorded 269 SBA-disbursed self-storage loans across the 7(a) and 504 programs, representing $384.5 million in approved financing at an average loan size of $1.4 million. The state sits at rank #1 of 38 for self-storage SBA lending volume and holds 10.9% of the national self-storage dollar pool. 7(a) accounts for 78.4% of the count, 504 for the rest, with 40 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 269 |
| Approved volume | $384.5 million |
| Average loan size | $1.4 million |
| 7(a) share | 78.4% |
| Approvals since FY2024 | 40 |
| State rank by loan count | #1 of 38 |
Among the 190 seasoned loans in this segment (approvals FY2010–FY2021), 2.1% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for self-storage is 1.1%, 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 2.1% adverse-resolution rate against the national self-storage benchmark of 1.1% 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 $1.4 million across 269 loans.
Every Texas self-storage 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.
Sun Belt supply growth makes saturation analysis decisive, and Live Oak Bank runs a dedicated national self-storage vertical.
For a national view of this asset class, see our self-storage SBA feasibility overview, and read our related analysis in the self-storage lending research on our blog. The SBA self-storage feasibility study tests pipeline supply, verified competitor occupancy and the monthly lease-up reserve.
Compare neighboring markets: Tennessee, Virginia, California.
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