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Program 11

SBA Financing in Abilene

Abilene SBA loans for owner-occupied commercial real estate.

When a deal calls for long-term, government-backed financing, we place SBA 7(a) and 504 loans through relationships with more than 20 SBA lenders, matching your scenario to the right program and the terms that fit it. The Abilene metro splits across two SBA districts, so the office that covers you depends on county. Business-purpose only, and every structure is set in underwriting.

SBA Financing in Abilene, TX from USA Mortgage
7(a) & 504
programs
90%
financing
25-yr
terms
20+
SBA lenders

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

SBA loans offer low down payments and long amortizations for owner-occupied property and business acquisition. USA Mortgage arranges and places SBA financing through our network of partner lenders; we are not ourselves an SBA lender. We shop your file across that network so you get the strongest approval.

Who it's for
Owner-occupied commercial RE
Business acquisition
Real estate plus equipment
Partner or stock buyout
Typical terms
Loan amount$350K to $5M+
FinancingUp to 90%
TermUp to 25 years
RateMarket SBA rates
PropertyOwner-occupied CRE
Programs7(a) and 504
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

SBA Financing in Abilene, answered.

Which SBA district covers an Abilene deal?
It depends on the county. Taylor and Jones counties are in the SBA's West Texas District, served from Lubbock, which covers 71 counties. Callahan County, where Clyde and Baird sit, is in the Dallas/Fort Worth District, which covers 72 counties. We do not route you through one district office; we place your file across our network of more than 20 SBA lenders. We did not find local 7(a) or 504 loan volumes for the metro, so we do not quote any.

Sources: legacy.sba.gov

How much of my Abilene building does my own business have to occupy?
51% of an existing building, but 60% if you are building new. Under 13 CFR 120.131, an existing building needs your operating business in at least 51% of the space. For new construction you must occupy at least 60%, and only 20% may be permanently leased to third parties, with an absorption plan for the rest. Talk to your attorney or CPA about how your plan fits.
How much cash does a 504 loan need on an Abilene building?
Ten percent is the floor, not the rule. Under 13 CFR 120.910 the borrower contributes 10% on an ordinary project, 15% if the business has operated under two years or the building is single purpose, and 20% if both are true. The 504 portion is capped at 40% of project cost, with a standard maximum of $5 million under 13 CFR 120.931, rising to $5.5 million only for small manufacturers or a qualifying energy project.
What were SBA guaranty fees for fiscal 2026?
Reinstated, not waived, per SBA notices we read in August 2026. For loans approved between October 1, 2025 and September 30, 2026, the 7(a) upfront guaranty fee returned at 2% to 3.5% and up by loan size, after being zero under $1 million in fiscal 2025. The 504 upfront fee returned at 0.50%, with the annual fee cut to 0.209%. Small manufacturers are the exception: no 7(a) upfront fee at or under $950,000, and waived 504 fees. Fiscal 2027 began October 1, 2026, and we have not confirmed its fee schedule, so confirm the fees that apply at application.
What will owning my Abilene building cost in property tax?
The full investor stack, and the values are moving. A Taylor County parcel in the city carries 2.2664 per $100 in Abilene ISD and 2.4583 in Wylie ISD, with no homestead exemption on a commercial building. The city's proposed fiscal 2027 roll shows commercial real estate values up 59%, driven mainly by data center development, and that is a proposed budget as of August 2026. Budget the tax line on a reassessed value, not last year's bill. Hotel and food-service buyers are the typical SBA collateral riding the stay-tax surge, but we found no local SBA volume to cite.

Sources: abilenetx.gov

More SBA Financing questions, answered on the program page

Resources

Guides for SBA Financing

SBA · 5 min read
SBA 7(a) vs 504: Which Is Right for Owner-Occupied Real Estate?
Read the guide
SBA · 5 min read
SBA 504 Loans for Owner-Occupied Commercial Real Estate
Read the guide
SBA · 4 min read
SBA Loan Down Payment, Rates, and Terms Explained
Read the guide
SBA · 5 min read
The $1M SBA Loan: What 7(a) and 504 Look Like at That Size
Read the guide
Browse all guides
Compare

SBA Financing vs. other options

Comparison
SBA 7(a) vs Conventional Loan
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-10-16.

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