Offices of Certified Public Accountants acquisitions in Texas: SBA loan data
Since FY2018, SBA lenders have approved 57 7(a) loans to buy an existing business classified as Offices of Certified Public Accountants in Texas, totaling $42M. The median loan was $497,500. That is 1.4% of the 4,080 acquisition loans in Texas.
- Loans, FY2018-FY2026
- 57
- Median loan
- $497,500 (middle half $335,000 to $785,000)
- Top lender
- Live Oak Banking Company (44%, 25 loans)
- Charge-off, FY2018-FY2021 loans
- 0.0% (all-acquisition: 3.5%)
- FY2026 loans (latest complete year)
- 6 (-40% vs FY2025)
SBA lenders approved 57 7(a) loans to buy a business classified as Offices of Certified Public Accountants in Texas from FY2018-FY2026, with a median of $497,500 and a middle half of $335,000 to $785,000. Live Oak Banking Company made 44% of them. FY2026 had 6 loans, down 40% from FY2025.
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How Offices of Certified Public Accountants in Texas compares
| Measure | Offices of Certified Public... | Texas, all industries | Offices of Certified..., nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $497,500 | $870,000 | $495,000 | $645,250 |
| Middle half of loans | $335,000 to $785,000 | $384,025 to $1,883,250 | $270,000 to $933,625 | $283,000 to $1,465,000 |
| Average initial rate | 7.40% | 7.78% | 7.69% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 4.8% | 2.9% | 3.5% |
| Loans in sample | 57 | 4,080 | 620 | 48,902 |
The median for Offices of Certified Public Accountants acquisition loans in Texas is $497,500, well below the $870,000 median for all Texas acquisitions, in line with the $495,000 median for Offices of Certified Public Accountants acquisitions nationwide and below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $335,000 to $785,000, 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 7.40%, below the 7.76% national average.
None of the seasoned loans were charged off, against 4.8% for all Texas acquisitions, 2.9% for Offices of Certified Public Accountants acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Offices of Certified Public... | All acquisitions |
|---|---|---|
| Under $350K | 30% | 30% |
| $350K to under $1M | 54% | 33% |
| $1M to under $2M | 5% | 19% |
| $2M and over | 11% | 17% |
Most Offices of Certified Public Accountants acquisition loans in Texas (84%) were under $1M, and the largest single band is $350K to under $1M at 54%, 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 44% of Offices of Certified Public Accountants acquisition loans in Texas, and the top three lenders together made 61%. 4 of the 19 lenders involved made three or more. A few banks carry most of the volume. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 16 Offices of Certified Public Accountants acquisition loans in Texas were approved. Fewer than 10 loans were approved in FY2023 and FY2024, so no change is computed. The median was $465,500, slightly below the $497,500 median across all years.
Offices of Certified Public Accountants acquisition loans in Texas by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 6 | $5.4M | $758,000 | |
| FY2019 | 7 | $5.1M | $460,000 | |
| FY2020 | 8 | $3.6M | $462,200 | |
| FY2021 | 6 | $3.7M | $490,000 | |
| FY2022 | 8 | $5.2M | $462,500 | |
| FY2023 | 2 | $6.9M | $3,437,500 | |
| FY2024 | 4 | $3.2M | $775,000 | |
| FY2025 | 10 | $6.4M | $531,250 | |
| FY2026 | 6 | $2.4M | $307,500 |
How often do these acquisition loans fail?
Of the 27 Offices of Certified Public Accountants in Texas acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 18 have already been paid in full.
For comparison, Offices of Certified Public Accountants in Texas has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. 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.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 25 | 43.9% | $15.8M | |
| 2 | Wells Fargo Bank National Association | 5 | 8.8% | $3.2M | |
| 3 | United Midwest Savings Bank National Association | 5 | 8.8% | $2.5M | |
| 4 | BOKF, National Association | 3 | 5.3% | $475K | |
| 5 | First-Citizens Bank & Trust Company | 2 | 3.5% | $5.2M |
Top franchise brands
No franchise brands recorded in this combination.
The purchase agreement decides what you bought, not the loan approval.
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Questions buyers ask
How much do SBA loans for Offices of Certified Public Accountants acquisitions in Texas run?
The median SBA 7(a) loan was $497,500 across 57 loans (FY2018 to FY2026), with the middle half between $335,000 and $785,000. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Offices of Certified Public Accountants acquisitions in Texas?
Live Oak Banking Company (25), Wells Fargo Bank National Association (5), United Midwest Savings Bank National Association (5), BOKF, National Association (3), First-Citizens Bank & Trust Company (2). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Certified Public Accountants acquisition loans fail in Texas?
Of 27 seasoned loans (FY2018 to FY2021), none were charged off, against the 3.5% rate for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Offices of Certified Public Accountants acquisitions in Texas?
None of the 57 loans in this combination were recorded with a franchise brand.
How much do you need down for an SBA loan to buy an Offices of Certified Public Accountants business in Texas?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Offices of Certified Public Accountants acquisition loans in Texas was $497,500, and the middle half ran $335,000 to $785,000.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 16 Offices of Certified Public Accountants acquisition loans in Texas in FY2025 and FY2026.
Which banks make SBA loans for an Offices of Certified Public Accountants business in Texas?
By loan count, FY2018 to FY2026: Live Oak Banking Company (25), Wells Fargo Bank National Association (5), United Midwest Savings Bank National Association (5), BOKF, National Association (3), First-Citizens Bank & Trust Company (2). Live Oak Banking Company made 44% of Offices of Certified Public Accountants acquisition loans in Texas. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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Related
- All Texas acquisitions
- Financing one? How to get an SBA loan to buy a CPA firm
- Offices of Certified Public Accountants nationally
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Small samples move a lot: each loan in this combination is 2% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Certified Public Accountants in Texas: SBA acquisition loan data", https://sbaacquisitiondata.com/state/tx/offices-of-certified-public-accountants-541211 (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/state/tx/offices-of-certified-public-accountants-541211.json.