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Program 11

SBA Financing in Wichita Falls

Wichita Falls owners matched to SBA 7(a) or 504 loans.

We place SBA 7(a) and 504 loans through relationships with more than 20 SBA lenders, matching your scenario to the right program. Financing runs up to 90% for owner-occupied commercial property, with terms up to 25 years, and we are not ourselves an SBA lender. Wichita, Archer and Clay counties are served by the SBA Dallas/Fort Worth District Office. Business-purpose only, subject to underwriting.

SBA Financing in Wichita Falls, 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 Wichita Falls, answered.

Which SBA office covers Wichita Falls, and how much SBA lending happens here?
The SBA Dallas/Fort Worth District Office, not the West Texas office in Lubbock. Its county list includes Wichita, Archer and Clay counties. We could not find local 7(a) or 504 loan volumes for the metro, so we do not claim any. The Comptroller counts 978 military retirees using Sheppard Air Force Base, which is a small veteran-owner pool and should not be overstated. The practical borrower here is a local owner who wants to buy the building the business operates from. See the SBA program page for how we structure a file.

Sources: legacy.sba.gov, comptroller.texas.gov

How much of the building does my business have to occupy?
51% of an existing building, and 60% for new construction. Under 13 CFR 120.131, an owner-occupant of an existing building must occupy at least 51% of its square footage. For new construction the floor is 60%, and only 20% may be permanently leased to others, with an absorption plan for the rest. "Occupy 60% and rent the rest" is the common misreading. A building in Wichita Falls that you only partly use for the business, and rent to others, may not qualify for the same structure.

Sources: ecfr.gov

What is the real down payment and loan limit on a 504 project?
10% is the floor, and it rises to 15% or 20%. Under 13 CFR 120.910 the borrower contribution is 10% for an ordinary project, 15% if the business has operated under two years or the building is single-purpose, and 20% if both apply. The 504 portion is capped at 40% of the project (120.930). The maximum 504 debenture is $5 million for a standard project and $5.5 million only for small manufacturers or qualifying energy projects (120.931). The metro's aerospace and manufacturing base is where the manufacturer exception could matter, so confirm your NAICS code.
What did SBA fees and rates look like in FY2026?
Fees came back for FY2026, and rates move monthly. For loans approved from October 1, 2025 to September 30, 2026, 7(a) upfront fees returned at roughly 2% to 3.5% and up by loan size (they were 0% under $1 million in FY2025), and the 504 upfront fee was 0.50% with an annual fee of 0.209%. Small manufacturers had the 504 fees waived. Those dates have now rolled, so check the current fiscal-year notice for a loan approved today. As of August 2026, prime was 6.75%, the 7(a) variable ceiling over $350,000 was prime plus 3.0% (9.75%), and two CDCs quoted all-in 504 debenture rates near 6.272% for 25 years. These are market figures, not USA Mortgage rates.
Does a green-card holder or foreign owner qualify as an owner of an SBA borrower?
Not since March 1, 2026. SBA Procedural Notice 5000-876441 requires 100% of direct and indirect owners to be U.S. citizens or nationals with a U.S. principal residence, and lawful permanent residents may not own any percentage. The posted SOP 50 10 8 still shows the older wording, but the notice governs. Check every owner in the chain before you spend money on a property under contract. SOP 50 10 8 also tightened underwriting from June 1, 2025, including a higher small business scoring floor.

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
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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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