SBA Financing in Austin

The San Antonio District Office. Austin has no SBA district office of its own. San Antonio serves 55 counties across south central Texas, including this market, for 7(a), 504, and Microloan, and Austin activity is reported under that district. SBA also publishes a San Antonio District lender list, which is a useful cross-check on whoever is quoting you. We place through our own partner lender network rather than lending on SBA paper ourselves. See the SBA program page for terms.

A handful of CDCs cover this region, and the 504 structure means you deal with one alongside the bank. Capital CDC reports SBA recognition for the most 504 loans in the San Antonio District, a 20-year run at number 1 by loan count in its five-state region, and number 10 nationally among 183 CDCs by 504 volume. Texas Certified Development Company and Greater Texas Capital Corporation also serve Central Texas; both figures above are self-reported by the organizations. On a placed file we match the bank and the CDC to the scenario rather than sending every deal to the same pair.

It depends heavily on your product type, and Austin's sectors are not moving together. Using Partners Real Estate's numbers so the comparison is apples to apples: retail vacancy was 3.6% in Q1 2026 with average asking rent at $26.40 per square foot, while office vacancy was 19.9% in Q2 2026, the first sub-20% reading in nearly three years, and industrial vacancy was 15.7% in Q1 2026 with 13.2M square feet still under construction. A tight retail market is where owner-occupancy tends to beat renewing a lease; a soft office or industrial market gives a tenant more room to negotiate. Run your own numbers with your broker before assuming either.

No homestead protection applies, so budget the full unabated bill. Texas caps annual appraised-value increases at 10% for homesteads only; commercial and investment property gets neither the exemption nor that cap. There is a separate 20% circuit breaker on the net appraised value of qualifying non-homestead property, applied automatically with no application, but it requires that you owned the property for a full January through December year, and Travis CAD states a value threshold of $5.16 million or less. It is authorized only for tax years 2024, 2025, and 2026 and expires after 2026 unless the Legislature extends it, so do not underwrite a 2027 hold assuming it survives. Combined all-entity rates in this metro commonly run about 1.78% to 2.10% in Travis County and 2.00% to 2.35% in Williamson, depending on school district, city, MUD, and PID at the specific address. Talk to your CPA about your own numbers.

A title company runs it, not an attorney. A closing attorney is not customary in Texas; a title or escrow company acts as neutral escrow agent, holds funds, coordinates signing, and disburses afterward. Texas has no state real estate transfer tax. Title insurance premiums are promulgated by the Texas Department of Insurance, so they do not vary between title companies, which means you pick a title company on service and on whether they can keep pace with an SBA file, not on price. SBA closings carry more documentation than a conventional purchase, so choose one that has done them.

Around 10%. SBA financing goes up to 90%, which is the highest leverage we write on commercial property, on terms up to 25 years. On a $2M Austin building that is roughly $200,000 from you (2,000,000 x 10% = 200,000). The catch is the clock, not the cash: SBA runs 30 to 90 days, so if you are competing against a cash buyer this is the wrong tool. Subject to underwriting.

$350K, running to $5M and above, across both 7(a) and 504. The property has to be owner-occupied commercial real estate, which is the line that catches most investors: if you plan to buy the building and lease it out, this is not your program and a permanent commercial loan is. Subject to underwriting.