TEXAS · NAICS NAICS 484, 4885, 4931 families
Texas trucking and logistics deals are anchored by the I-35, I-10, and I-45 freight triangle and the Gulf Coast port complex. Studies stress rate-per-mile assumptions against freight market conditions, validate contract concentration and counterparty quality, and model equipment cycles, fuel exposure, and driver economics through the loan term.
FEASIBILITY TRIGGER
Trucking and logistics are projection-sensitive: rate per mile, fuel, and contract concentration are stress-tested.
Texas generated 2,046 SBA-disbursed trucking and logistics loans between FY2010 and FY2026, worth $652.6 million in approved 7(a) and 504 financing at an average of $319,000 per deal. Ranked #5 of 38 states for trucking and logistics SBA volume, the state captures 7.3% of national trucking and logistics dollars. 97.0% of the loans ran through 7(a) with 504 covering the remainder; 279 approvals have posted since FY2024.
| Disbursed loans (FY2010–FY2026) | 2,046 |
| Approved volume | $652.6 million |
| Average loan size | $319,000 |
| 7(a) share | 97.0% |
| Approvals since FY2024 | 279 |
| State rank by loan count | #5 of 38 |
Among the 1,462 seasoned loans in this segment (approvals FY2010–FY2021), 14.4% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for trucking and logistics is 9.2%, 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 14.4% adverse-resolution rate against the national trucking and logistics benchmark of 9.2% 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 $319,000 across 2,046 loans.
Every Texas trucking and logistics 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.
The I-35, I-10, and I-45 freight triangle anchors one of the largest trucking economies in the country, with named 504 evidence including AEND Industries' Hutto relocation that moved 50 jobs into Williamson County.
For a national view of this asset class, see our trucking and logistics SBA feasibility overview, and read our related analysis in the trucking and logistics lending research on our blog.
Compare neighboring markets: Tennessee, Virginia, California.
Public SBA and CDC program records, cited as program evidence
SBA 504 through Capital CDC
Land purchase and 19,200 square foot facility with 50 jobs relocated into the Hutto growth corridor
Hutto, Williamson County
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