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Program 11

SBA Financing in Forney

Forney's owner-occupied businesses find SBA loans through this desk.

USA Mortgage places SBA 7(a) and 504 loans for owner-occupied commercial real estate through a network of more than 20 SBA lenders, with financing up to 90% of the deal and terms out to 25 years. Kaufman County's business base is growing alongside its population, from the new Gateway corridor in Forney to the industrial and logistics employers anchored at Terrell's I-20 and US-80 junction. A local owner buying or building the space their business operates from is exactly who this program is built for. SBA financing here is placed through our partner lenders, subject to underwriting, and is not a commitment to lend.

SBA Financing in Forney, 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 Forney, answered.

Does SBA financing work for a new building in Forney's Gateway corridor, not just an existing one?
Yes, but a new build carries a higher occupancy bar than buying existing space. Under 13 CFR 120.131, a business occupying an existing building only needs to occupy 51% of it. For new construction the floor is 60%, and only 20% of the project may be permanently leased to others, with the remaining space carried on a 3-year or 10-year absorption plan. Forney's own FY2026 budget points to the Gateway area as where the city expects its next wave of large projects, which makes this the exact occupancy test a Gateway-area borrower needs to run first.
What is the SBA 504 loan cap for a Kaufman County business, and does it go higher for a manufacturer?
The standard 504 project cap is $5 million. It only rises to $5.5 million for small manufacturers (NAICS 31-33) or qualifying energy projects, under 13 CFR 120.931. Terrell's industrial base at the I-20 and US-80 junction includes manufacturing and logistics names such as Nucor Steel and Lineage Logistics, per Terrell EDC and Site Selection Magazine coverage, so a Kaufman County manufacturer buying or building its own facility is a real candidate for the higher cap, subject to underwriting confirming the NAICS code.
How much cash does a Kaufman County business need to put into an SBA 504 building purchase?
Ordinary borrower contribution is 10% of the project. It steps up to 15% if the business has operated less than two years or the building is single-purpose, and to 20% if both apply, per 13 CFR 120.910. A Forney or Terrell business buying a purpose-built facility, such as an industrial or logistics building, should plan on the higher end of that range rather than the headline 10% figure.
Are SBA loan fees still waived for a Forney business closing this year?
No, not as of FY2026. SBA fees were reinstated for loans approved between October 1, 2025 and September 30, 2026: 7(a) upfront fees run 2% to 3.5%-plus by loan size (versus 0% under $1 million during the FY2025 waiver), and 504 upfront moved to 0.50% with the annual fee cut to 0.209%. Small manufacturers keep a break: 7(a) loans of $950,000 or less carry no upfront fee, and 504 fees are waived for that group.
Is Kaufman County's growth actually generating demand for owner-occupied commercial space?
Yes, on the population data behind it. In the year to July 2025 Kaufman County grew faster than any other county in the United States with 100,000 or more people, and its business base, from service companies to the trades, is expanding with that population. Terrell's position at the I-20 and US-80 junction gives the county's owner-users a second driver: an industrial and logistics corridor with a rail spur in the industrial park, not just rooftops.
Is there local data on how many SBA loans actually close in Kaufman County?
No county-level SBA loan volume was sourced for Kaufman County, and none is published here. What is confirmed is the broader lending backdrop: Kaufman County saw 6,125 mortgage originations in 2024, up from 5,014 in 2023, a purchase-driven market rather than a refinance one. An SBA lender in USA Mortgage's network can speak to current district volume for your specific deal.

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
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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 2026-09-04.

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