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Program 11

SBA Financing in San Angelo

San Angelo SBA loans for owner-occupied commercial property.

We place SBA 7(a) and 504 loans through more than 20 SBA lenders, matching your scenario to the right program; we are not ourselves an SBA lender. The SBA San Antonio District Office serves Tom Green and Irion counties. Business-purpose only, and every structure is set in underwriting.

SBA Financing in San Angelo, 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 San Angelo, answered.

Which SBA office covers San Angelo?
The San Antonio District Office, not the Lubbock-based West Texas office. The SBA's San Antonio district covers 55 counties, and its county list includes Tom Green and Irion. The West Texas district lists 71 counties and does not include Tom Green. We did not find SBA loan volume for the San Angelo area, so we make no claim about local activity.

Sources: sba.gov

How much of the building must my San Angelo business occupy?
At least 51% of an existing building, and at least 60% of new construction. Under 13 CFR 120.131, an existing building needs 51% owner occupancy. For new construction the floor is 60%, and only 20% may be permanently leased, with an absorption plan for the rest, so "60% and rent the rest" is wrong. If you plan to lease out space beyond that, the loan is a different kind of loan.
How big is a 504 loan, and how much do I put in?
The 504 maximum is $5 million, and 10% down is only the base case. Under 13 CFR 120.931 the maximum is $5 million, with $5.5 million only for small manufacturers and qualifying energy projects. The 504 portion is capped at 40% of the project (120.930). The borrower's contribution is 10% in the ordinary case, 15% if the business has operated under two years or the building is single-purpose, and 20% if both apply (120.910). "10% down" without those carve-outs is a common mistake.
Who can own a business that takes an SBA loan under the March 2026 rule?
Only U.S. citizens and nationals, as of our August 2026 read of the rule. Under SBA notice PN 5000-876441, effective March 1, 2026, 100% of direct and indirect owners must be U.S. citizens or nationals with a U.S. principal residence, and legal permanent residents may not own any percentage. For a family-held ranch or trades business, check every owner before you plan the structure. As of August 2026 the SBA's posted SOP showed older text, and the notice governs. Confirm the current rule with the lender before you plan.
What happened to SBA upfront fees in fiscal 2026?
They were reinstated for fiscal 2026. For loans approved between October 1, 2025 and September 30, 2026, the 7(a) upfront fee returned at 2% to 3.5% or more by loan size (it had been 0% under $1 million in fiscal 2025), and the 504 upfront fee returned at 0.50%. Small manufacturers were treated separately. Fiscal 2027 began on October 1, 2026, and we have not verified its fee schedule, so we make no claim about current fees. Ask the lender for the schedule that applies on your approval date.
What do SBA rates look like?
Roughly prime plus a margin on 7(a), and a fixed all-in rate on 504, as of August 2026. The prime rate was 6.75%, unchanged since December 11, 2025. The 7(a) variable ceiling over $350,000 is prime plus 3.0%, or 9.75% at that prime. Two certified development companies agreed that the effective 25-year 504 debenture rate was 6.272% all-in, including CDC, SBA and servicing fees. These move monthly, are not USAM rates, and are 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
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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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