SBA Microloan Lenders in Texas (2026 List)

There are 4 SBA-approved microloan intermediaries lending in Texas. The SBA does not lend directly — it funds these organizations, and each one makes its own loans and its own decisions.

SBA microloans run up to $50,000, with an average around $13,000 and terms up to seven years. They are designed for businesses banks turn down: new companies, thin credit files, and owners who need working capital, equipment or inventory rather than property. Because each intermediary sets its own criteria, it is worth approaching more than one of the Texas lenders below.

Every lender on this list asks for the same core documents: a written business plan, financial projections, a clear statement of what the money is for, and your credit history. The plan is where most applications stall.