SBA loans in Dallas-Fort Worth: who lends, what gets bought
Since FY2018, SBA lenders have approved 1,484 7(a) loans to buy an existing business in the Dallas-Fort Worth area, totaling $1.9B. The median loan was $798,600, 24% higher than the $645,250 national median. The area is Dallas, Tarrant, Collin and Denton Counties, Texas, which together make 36% of the state's acquisition loans. Volume rose 39% from FY2024 to FY2026.
- Loans, FY2018-FY2026
- 1,484
- Median loan
- $798,600 (middle half $350,000 to $1,731,200)
- Top lender
- Live Oak Banking Company (11%, 157 loans)
- Top industry
- Full-Service Restaurants
- Charge-off, FY2018-FY2021 loans
- 5.9% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 217 (-8% vs FY2025)
SBA lenders approved 1,484 7(a) loans to buy a business in the Dallas-Fort Worth area from FY2018-FY2026, with a median of $798,600 and a middle half of $350,000 to $1,731,200. Live Oak Banking Company made 11% of them. FY2026 had 217 loans, down 8% from FY2025.
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SBA lenders in Dallas-Fort Worth
The lenders that made the most SBA 7(a) acquisition loans in the Dallas-Fort Worth area, FY2018 to FY2026. Many lend in more than one state; open a lender page to see where else it lends.
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 157 | 10.6% | $221M | |
| 2 | The Huntington National Bank | 100 | 6.7% | $88.9M | |
| 3 | Metro City Bank | 70 | 4.7% | $162M | |
| 4 | Bank of Hope | 58 | 3.9% | $48.3M | |
| 5 | Hanmi Bank | 49 | 3.3% | $42.4M | |
| 6 | Wells Fargo Bank National Association | 38 | 2.6% | $22M | |
| 7 | Open Bank | 37 | 2.5% | $76.7M | |
| 8 | Midwest Regional Bank | 37 | 2.5% | $21.2M | |
| 9 | PCB Bank | 34 | 2.3% | $24.1M | |
| 10 | T Bank, National Association | 33 | 2.2% | $44.2M |
What gets bought in Dallas-Fort Worth
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Full-Service Restaurants | 142 | 9.6% | $101M | |
| 2 | Limited-Service Restaurants | 77 | 5.2% | $47.7M | |
| 3 | Gasoline Stations with Convenience Stores | 63 | 4.2% | $118M | |
| 4 | General Automotive Repair | 46 | 3.1% | $41.2M | |
| 5 | Child Care Services | 43 | 2.9% | $90.1M | |
| 6 | Hotels (except Casino Hotels) and Motels | 42 | 2.8% | $186M | |
| 7 | Insurance Agencies and Brokerages | 41 | 2.8% | $43.9M | |
| 8 | Drycleaning and Laundry Services (except Coin-Operated) | 40 | 2.7% | $41.5M | |
| 9 | Car Washes | 38 | 2.6% | $123M | |
| 10 | Beer, Wine, and Liquor Retailers | 38 | 2.6% | $59.4M |
Franchise brands bought in Dallas-Fort Worth
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | SEI Fuel Services | 9 | 0.6% | $18.4M | |
| 2 | Primrose Schools | 9 | 0.6% | $17.8M | |
| 3 | Servpro | 9 | 0.6% | $6.5M | |
| 4 | FASTSIGNS | 8 | 0.5% | $5.9M | |
| 5 | Classic Star Group (Distributor) | 6 | 0.4% | $11.9M | |
| 6 | Sunoco | 6 | 0.4% | $11.3M | |
| 7 | Massage Envy | 6 | 0.4% | $4.9M | |
| 8 | The UPS Store | 6 | 0.4% | $3M | |
| 9 | Comfort Inn | 5 | 0.3% | $21.2M | |
| 10 | Kids 'R' Kids | 5 | 0.3% | $21M | |
| 11 | Golden Chick | 5 | 0.3% | $7.5M | |
| 12 | Hotworx | 5 | 0.3% | $1.9M | |
| 13 | Which Wich | 5 | 0.3% | $1.4M | |
| 14 | Budget Blinds | 5 | 0.3% | $1.2M | |
| 15 | Holiday Inn Express | 3 | 0.2% | $15M |
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Dallas-Fort Worth acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 130 | $170M | $811,500 | |
| FY2019 | 224 | $238M | $595,250 | |
| FY2020 | 143 | $182M | $870,000 | |
| FY2021 | 142 | $191M | $967,500 | |
| FY2022 | 116 | $147M | $897,500 | |
| FY2023 | 120 | $173M | $896,400 | |
| FY2024 | 156 | $183M | $730,350 | |
| FY2025 | 236 | $294M | $747,500 | |
| FY2026 | 217 | $316M | $893,000 |
How often do these acquisition loans fail?
Of the 639 the Dallas-Fort Worth area acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 38 have been charged off by the SBA, a rate of 5.9% by loan count and 2.6% by dollars. 326 have already been paid in full.
For comparison, the charge-off rate across all SBA 7(a) acquisition loans in the same cohort is 3.5%, so the Dallas-Fort Worth area is 69% higher than the acquisition-loan average. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
How Dallas-Fort Worth compares
| Measure | Dallas-Fort Worth | Texas, all | All acquisitions |
|---|---|---|---|
| Median loan | $798,600 | $870,000 | $645,250 |
| Middle half of loans | $350,000 to $1,731,200 | $384,025 to $1,883,250 | $283,000 to $1,465,000 |
| Average initial rate | 7.84% | 7.78% | 7.76% |
| Median term | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 5.9% | 4.8% | 3.5% |
| Loans in sample | 1,484 | 4,080 | 48,902 |
The median for Dallas-Fort Worth-area acquisition loans is $798,600, slightly below the $870,000 median for all Texas acquisitions and above the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $350,000 to $1,731,200, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 7.84%, in line with the 7.76% national average.
Seasoned loans were charged off at 5.9%, above the 4.8% rate for all Texas acquisitions and well above the 3.5% rate for all acquisition loans.
Loan size distribution
| Loan size | Dallas-Fort Worth | All acquisitions |
|---|---|---|
| Under $350K | 24% | 30% |
| $350K to under $1M | 36% | 33% |
| $1M to under $2M | 20% | 19% |
| $2M and over | 21% | 17% |
Most Dallas-Fort Worth-area acquisition loans (59%) were under $1M, and the largest single band is $350K to under $1M at 36%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 11% of Dallas-Fort Worth-area acquisition loans, and the top three lenders together made 22%. 97 of the 178 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 453 Dallas-Fort Worth-area acquisition loans were approved. That is 64% more than the 276 approved in FY2023 and FY2024. The median was $800,000, in line with the $798,600 median across all years.
The purchase agreement decides what you bought, not the loan approval.
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Counties in the Dallas-Fort Worth area
Loans are assigned to the area by the project county the lender recorded, not the borrower's mailing address. The counties used, with loans in each:
| County | Loans |
|---|---|
| Dallas, TX | 569 |
| Tarrant, TX | 428 |
| Collin, TX | 268 |
| Denton, TX | 219 |
Questions buyers ask
How much do buyers borrow to buy a business in the Dallas-Fort Worth area?
The median SBA 7(a) acquisition loan in the Dallas-Fort Worth area was $798,600 across 1,484 loans (FY2018 to FY2026), 24% higher than the $645,250 national median. The middle half of loans ran from $350,000 to $1,731,200. A loan is not the purchase price: it is net of the buyer's equity injection and usually includes some working capital.
Which banks make the most SBA acquisition loans in Dallas-Fort Worth?
Live Oak Banking Company (157), The Huntington National Bank (100), Metro City Bank (70), Bank of Hope (58), Hanmi Bank (49). Live Oak Banking Company accounts for 11% of Dallas-Fort Worth-area acquisition loans. See each lender page for industries and states served.
What kinds of businesses are bought with SBA loans in Dallas-Fort Worth?
Full-Service Restaurants (142), Limited-Service Restaurants (77), Gasoline Stations with Convenience Stores (63), General Automotive Repair (46), Child Care Services (43). Industry is the NAICS code the lender recorded.
How often do SBA acquisition loans fail in Dallas-Fort Worth?
In the seasoned cohort (FY2018 to FY2021), among 639 Dallas-Fort Worth-area acquisition loans: 5.9% charged off, 69% higher than the 3.5% national acquisition average.
Terms signed in the LOI shape the purchase agreement that follows.
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Related
- All Texas acquisitions
- Full-Service Restaurants nationally
- Limited-Service Restaurants nationally
- Gasoline Stations with Convenience Stores nationally
- Live Oak Banking Company
- The Huntington National Bank
- Metro City Bank
- All metro areas
- SBA lenders by state
The metro area is a fixed list of counties chosen for this site, not an official statistical area. State is the project state recorded by the lender.
Cite this data
SBA Acquisition Data, "Dallas-Fort Worth, TX: SBA acquisition loan data", https://sbaacquisitiondata.com/metro/dallas-fort-worth (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/metro/dallas-fort-worth.json.