SBA Financing in Frisco

The development pipeline along the Tollway and US-380 is real and named, which is more than most metros can point to. Firefly Park is 230 acres at US-380 and the Tollway with 650,000 square feet of office and a 177-key hotel breaking ground in August 2026. Fields West, part of a 2,544-acre district, carries 360,000 square feet of retail and 325,000 square feet of office and was 70% pre-leased as of November 2025, opening from the third quarter of 2027. The Mix is a $3 billion, 112-acre project at Lebanon Road and the Tollway. That is a corridor generating new commercial space for a business owner to buy into, not lease space handed down from someone else's old building. We have not found a Collin County SBA loan-volume figure to put next to that growth, and we would rather say so than guess. See the SBA program page.

51% of an existing building, but 60% if you are building new, and the 60% figure is stricter than most people are told. Under 13 CFR 120.131, an existing building requires your operating business to fill at least 51% of the rentable space. New construction requires you to occupy at least 60%, with only 20% permanently leasable to a third party and the remaining 20% covered by a written absorption plan, occupied within three years and fully within ten. That distinction matters more here than in an older metro, because so much of Collin County's commercial inventory along the Tollway and US-380 corridor is new construction rather than existing stock. "Occupy 60% and rent the other 40%" is the common wrong version of the rule. Talk to your attorney or CPA about how your lease plan lines up against it.

Lower than the Dallas side of the metroplex, but with no homestead relief at any address. Collin County's own layer, county plus Collin College, totals 0.230563 per $100 of assessed value with no hospital district in the stack, against 0.533095 for Dallas County. Add the city and school district and the combined 2025 total runs from 1.675480 in Frisco/Frisco ISD up to 2.015864 in Celina/Celina ISD, before any municipal utility district or public improvement district assessment on top. None of that is reduced by owning rather than renting: investment and owner-occupied commercial property both get no homestead exemption and no cap on the annual increase, so the 25-year hold an SBA loan puts you into needs the full unabated bill in the underwriting, not the discounted one a residential buyer sees. Talk to your CPA about the specific parcel.

Yes, and a newly formed business is exactly the borrower this rule was written for. Under 13 CFR 120.910, a 504 borrower puts in 10% on an ordinary project, 15% if the operating business has been running under two years or the building is single-purpose, and 20% if both apply. A new restaurant or retail concept buying purpose-built space near a project like Fields West or Firefly Park, rather than a flexible multi-tenant building, is likely to land in the 15% or 20% tier, not the 10% headline figure most guides quote. Size the down payment to your actual case before you get attached to a specific building.

No. Fees came back for fiscal 2026, and any page still saying otherwise is stale. For loans approved between October 1, 2025 and September 30, 2026, the 7(a) upfront guaranty fee is back 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 service fee cut to 0.209%. Budget the upfront fee into closing costs rather than finding it at the commitment letter. Small manufacturers, NAICS 31 through 33, keep a carve-out: no 7(a) upfront fee at or under $950,000, waived 504 fees, and a higher $5.5 million 504 cap under 13 CFR 120.931 instead of the standard $5 million. Say so on the first call if that is your business.

No, but knowing which side you're on still matters for the deal. SBA financing does not care which county the parcel sits in. What it cares about is occupancy: both 7(a) and 504 require owner-occupied commercial real estate, so a pure investment purchase is not eligible here no matter which side of the Frisco/Plano line it falls on. What the county line does change is everything around the loan, including which appraisal district values the property, Collin Central Appraisal District on one side and Denton CAD on the other, and which tax stack applies. If your building is on the Denton County side of Frisco or Plano, our Denton metro page covers that side's tax detail. Subject to underwriting.

The 7(a) is the flexible, all-purpose SBA loan: owner-occupied real estate, business acquisition, partner buyouts, equipment, and working capital under one note. The 504 is purpose-built for owner-occupied commercial real estate and heavy equipment, with a long-term fixed rate and a low down payment. We place both and match your scenario to the right one.

SBA loans go up to $5M, with larger total project sizes possible on the 504 since a bank funds part of the deal. Down payments are low, often around 10%, rising to 15% to 20% for startups or special-purpose properties. On the right deal we finance up to 90%.

Terms run up to 25 years for real estate, which keeps payments low. 7(a) rates are usually variable and tied to the Prime rate, while the 504 carries a long-term fixed rate on the CDC portion. Because we place your file across 20+ SBA lenders, we shop your scenario for the strongest terms.

Yes. SBA real estate loans require owner-occupancy, at least 51% of an existing building or 60% of new construction. That requirement is what separates SBA-eligible deals from pure investment property, which fits our other programs.

Yes. The SBA requires a personal guarantee from anyone who owns 20% or more of the business, and on real-estate deals the loan is also secured by the property. This is standard on every SBA loan, not a sign of a weak file, and it is part of why SBA financing offers low down payments and long terms. We will walk you through exactly what you are signing before you commit.

SBA loans are slower than our bridge products, typically 30 to 90 days, because of the documentation and approval process. The tradeoff is a much lower long-term cost. If you need speed now, we can bridge the deal and refinance into SBA later.

Generally two to three years of business and personal tax returns, business financials, a personal financial statement, and details on the property or business. We will tell you exactly what is needed and place your file with the best-fit lender in our network.