SBA loans in San Antonio: who lends, what gets bought
Since FY2018, SBA lenders have approved 166 7(a) loans to buy an existing business in the San Antonio area, totaling $214M. The median loan was $820,500, 27% higher than the $645,250 national median. The area is Bexar County, Texas, which together make 4% of the state's acquisition loans.
- Loans, FY2018-FY2026
- 166
- Median loan
- $820,500 (middle half $374,100 to $1,667,325)
- Top lender
- Live Oak Banking Company (16%, 26 loans)
- Top industry
- Hotels and Motels
- Charge-off, FY2018-FY2021 loans
- 1.6% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 20 (-44% vs FY2025)
SBA lenders approved 166 7(a) loans to buy a business in the San Antonio area from FY2018-FY2026, with a median of $820,500 and a middle half of $374,100 to $1,667,325. Live Oak Banking Company made 16% of them. FY2026 had 20 loans, down 44% from FY2025.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
SBA lenders in San Antonio
The lenders that made the most SBA 7(a) acquisition loans in the San Antonio 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 | 26 | 15.7% | $35.2M | |
| 2 | Frost Bank | 12 | 7.2% | $8.9M | |
| 3 | The Huntington National Bank | 9 | 5.4% | $4.9M | |
| 4 | Broadway National Bank | 7 | 4.2% | $6.8M | |
| 5 | PlainsCapital Bank | 6 | 3.6% | $3.3M | |
| 6 | Byline Bank | 4 | 2.4% | $6.8M | |
| 7 | United Midwest Savings Bank National Association | 4 | 2.4% | $5.1M | |
| 8 | PNC Bank, National Association | 4 | 2.4% | $2.3M | |
| 9 | Gulf Coast Bank and Trust Company | 3 | 1.8% | $9.8M | |
| 10 | Global One Bank | 3 | 1.8% | $8.7M |
What gets bought in San Antonio
| # | Industry | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Hotels (except Casino Hotels) and Motels | 17 | 10.2% | $49.6M | |
| 2 | General Automotive Repair | 8 | 4.8% | $7.8M | |
| 3 | Full-Service Restaurants | 7 | 4.2% | $12M | |
| 4 | Plumbing, Heating, and Air-Conditioning Contractors | 7 | 4.2% | $6M | |
| 5 | Limited-Service Restaurants | 6 | 3.6% | $5.6M | |
| 6 | Gasoline Stations with Convenience Stores | 5 | 3.0% | $8.6M | |
| 7 | Offices of Dentists | 5 | 3.0% | $4.2M | |
| 8 | Child Care Services | 4 | 2.4% | $8.4M | |
| 9 | Other Computer Related Services | 4 | 2.4% | $6.3M | |
| 10 | Insurance Agencies and Brokerages | 4 | 2.4% | $4.1M |
Franchise brands bought in San Antonio
| # | Franchise | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Primrose Schools | 2 | 1.2% | $7.1M | |
| 2 | Best Western | 2 | 1.2% | $6.3M | |
| 3 | SEI Fuel Services | 2 | 1.2% | $3.9M | |
| 4 | Anytime Fitness | 2 | 1.2% | $478K | |
| 5 | Fastest Labs | 2 | 1.2% | $342K | |
| 6 | SureStay | 1 | 0.6% | $4.6M | |
| 7 | Golden Corral | 1 | 0.6% | $4M | |
| 8 | Schlotzsky's | 1 | 0.6% | $4M | |
| 9 | Motel 6 | 1 | 0.6% | $3.9M | |
| 10 | Days Inn | 1 | 0.6% | $3.7M | |
| 11 | Quality Inn | 1 | 0.6% | $3.5M | |
| 12 | Ramada | 1 | 0.6% | $2.6M | |
| 13 | Travelodge | 1 | 0.6% | $1.7M | |
| 14 | Budget Blinds | 1 | 0.6% | $1.5M | |
| 15 | Sport Clips | 1 | 0.6% | $1.5M |
Seller note standby terms and third-party consents are reviewed before closing.
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San Antonio acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 11 | $9.7M | $439,200 | |
| FY2019 | 14 | $13.1M | $574,000 | |
| FY2020 | 22 | $32.2M | $1,065,000 | |
| FY2021 | 16 | $17.5M | $680,000 | |
| FY2022 | 14 | $14.4M | $853,000 | |
| FY2023 | 10 | $19.1M | $1,433,250 | |
| FY2024 | 23 | $26.9M | $746,000 | |
| FY2025 | 36 | $43.7M | $864,900 | |
| FY2026 | 20 | $37.6M | $1,461,550 |
How often do these acquisition loans fail?
Of the 63 the San Antonio area acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), 1 have been charged off by the SBA, a rate of 1.6% by loan count and 0.3% by dollars. 34 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 San Antonio area is 55% lower 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 San Antonio compares
| Measure | San Antonio | Texas, all | All acquisitions |
|---|---|---|---|
| Median loan | $820,500 | $870,000 | $645,250 |
| Middle half of loans | $374,100 to $1,667,325 | $384,025 to $1,883,250 | $283,000 to $1,465,000 |
| Average initial rate | 7.91% | 7.78% | 7.76% |
| Median term | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 1.6% | 4.8% | 3.5% |
| Loans in sample | 166 | 4,080 | 48,902 |
The median for San Antonio-area acquisition loans is $820,500, 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 $374,100 to $1,667,325, 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 7.91%, above the 7.76% national average.
Seasoned loans were charged off at 1.6%, well below the 4.8% rate for all Texas acquisitions and well below the 3.5% rate for all acquisition loans.
Loan size distribution
| Loan size | San Antonio | All acquisitions |
|---|---|---|
| Under $350K | 23% | 30% |
| $350K to under $1M | 33% | 33% |
| $1M to under $2M | 22% | 19% |
| $2M and over | 22% | 17% |
Most San Antonio-area acquisition loans (57%) were under $1M, and the largest single band is $350K to under $1M at 33%, 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 16% of San Antonio-area acquisition loans, and the top three lenders together made 28%. 19 of the 71 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, 56 San Antonio-area acquisition loans were approved. That is 70% more than the 33 approved in FY2023 and FY2024. The median was $954,350, above the $820,500 median across all years.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsSBA-financed deals. All 50 states.
Counties in the San Antonio 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 |
|---|---|
| Bexar, TX | 166 |
Questions buyers ask
How much do buyers borrow to buy a business in the San Antonio area?
The median SBA 7(a) acquisition loan in the San Antonio area was $820,500 across 166 loans (FY2018 to FY2026), 27% higher than the $645,250 national median. The middle half of loans ran from $374,100 to $1,667,325. 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 San Antonio?
Live Oak Banking Company (26), Frost Bank (12), The Huntington National Bank (9), Broadway National Bank (7), PlainsCapital Bank (6). Live Oak Banking Company accounts for 16% of San Antonio-area acquisition loans. See each lender page for industries and states served.
What kinds of businesses are bought with SBA loans in San Antonio?
Hotels and Motels (17), General Automotive Repair (8), Full-Service Restaurants (7), Plumbing, Heating, and Air-Conditioning Contractors (7), Limited-Service Restaurants (6). Industry is the NAICS code the lender recorded.
How often do SBA acquisition loans fail in San Antonio?
In the seasoned cohort (FY2018 to FY2021), among 63 San Antonio-area acquisition loans: 1.6% charged off, 55% lower 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
- Hotels and Motels nationally
- General Automotive Repair nationally
- Full-Service Restaurants nationally
- Live Oak Banking Company
- Frost Bank
- The Huntington National 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, "San Antonio, TX: SBA acquisition loan data", https://sbaacquisitiondata.com/metro/san-antonio (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/san-antonio.json.