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Program 10

SBA Financing in Denton

Denton commercial property, purchased with SBA loans.

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. We match your scenario to the right program and the best terms. Denton's truck plant and hospitals feed suppliers and physician groups that buy their buildings. Business-purpose only, and every structure is set in underwriting.

SBA Financing in Denton, 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 Denton, answered.

What kind of Denton business typically buys its own building with an SBA loan?
Owner-occupied manufacturing suppliers and medical practices are the clearest fit. Denton's major-employer list runs from Peterbilt Motors Company's headquarters and truck plant, at about 2,000 employees, to Texas Health Presbyterian Hospital Denton (1,100) and Medical City Denton (799). A supplier to Peterbilt or a physician group serving either hospital is a natural SBA 504 or 7(a) buyer: real estate plus equipment, financed to buy rather than lease. See how we place SBA loans.

Sources: dentonedp.com

What will the city charge in permit fees if an SBA-financed building gets renovated in Denton?
A new commercial permit in Denton starts at $411 and scales with valuation: $5,141 for the first $1,000,000, plus $3.25 per additional $1,000. Plan review runs 50% of the permit fee, and site plan review adds $0.03 per building square foot on top. Build those into your SBA project budget before you request draws, since the city collects them at permit approval, not at closing.

Sources: cityofdenton.com

How much does the property tax stack add to owning a building in Denton instead of leasing?
Plan on roughly $0.78 per $100 of value in the county-plus-city base rate alone, before school and any special district. Denton County's FY2025-2026 rate is $0.185938 per $100, the lowest county rate since 1986, and the City of Denton's rate is $0.595420 per $100. A commercial parcel inside city limits also carries its school district's rate on top, and no homestead cap applies to a business property. Talk to your CPA about how that stacks against your current lease before you commit to an SBA purchase.

Sources: dentoncounty.gov, cityofdenton.com

Is Denton County growing enough to justify buying commercial space instead of renting it?
The population trend is real; the buy-versus-lease math is still your own. Denton County added about 23,100 residents in the year to July 2025, a 2.2% increase and the 12th-largest numeric gain of any US county, and has grown for 25 consecutive years. That is the demand backdrop behind a long-term SBA 504 debenture on a building rather than renegotiating a lease every few years, but run your own numbers on the space you actually need, and talk to your CPA about how ownership changes your tax position.

Sources: usafacts.org

Does Denton Enterprise Airport support the kind of business that would use SBA financing?
It's a real local anchor, though the numbers are dated. A 2018 TxDOT study credited the city-owned Denton Enterprise Airport with 1,435 jobs, $45.8 million in payroll, and $156.3 million in annual economic output. An aviation, logistics, or manufacturing tenant locating near the airport is the kind of owner-occupied real estate purchase SBA 504 financing is built for, though you should confirm current activity before relying on 2018 figures.

Sources: dentonairport.com

Does the SBA floor cover what a Peterbilt supplier or a Denton physician group buys?
It does. The floor is $350,000, with the top end running to $5,000,000 and above. That floor rules out a very small owner-user purchase and comfortably covers what a Peterbilt supplier or a physician group serving one of the Denton hospitals typically buys. Financing runs up to 90% on a term of up to 25 years, at market SBA rates. Subject to underwriting.

Sources: dentonedp.com

Does the building have to be owner-occupied to use SBA financing in Denton?
Yes. SBA financing is for owner-occupied commercial real estate. Both 7(a) and 504 are built for a business buying the space it operates from, which is why the Denton fit is a manufacturer, a supplier or a medical practice rather than an investor holding a leased building. If the plan is to buy it and lease it out, a commercial bridge is the file to look at instead. Subject to underwriting.

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
See the comparison
More in Denton

Other programs in Denton

Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & perm
All Denton loan programs
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 2026-08-12.

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