How many small businesses are in Texas?

Texas has approximately 3.3 million small businesses, representing 99.8 percent of all businesses in the state. They employ 4.9 million workers — 44.9 percent of Texas's private workforce. Source: SBA Office of Advocacy, 2024 Small Business Profile.

How active is SBA 7(a) lending in Texas?

Texas ranked second nationally in SBA 7(a) activity in FY2024: 5,233 loans approved for a total of $3.2 billion. The average loan size was approximately $611,000, the highest among the five largest states. Source: SBA FOIA loan dataset, FY2024 aggregate.

Does Texas have a commercial financing disclosure law?

No. As of 2026, Texas does not have a statewide commercial financing disclosure law equivalent to California's SB 1235 or New York's S5470B. Commercial lending in Texas is governed primarily by federal law and lender-specific agreements. ClearValue Lending monitors legislative developments in all states.

What financing products work best for Texas small businesses?

Construction and transportation businesses most commonly use equipment financing and SBA 7(a) loans. Professional services firms favor working capital lines of credit. Energy-adjacent businesses may access asset-based lending. The best fit depends on your industry, revenue, and use of funds — ClearValue Lending routes to the lender partner best positioned for your specific file.

Is ClearValue Lending available in Texas?

Yes. ClearValue Lending routes Texas SMB applicants to lender partners operating across all Texas markets, including the Dallas-Fort Worth, Houston, Austin, and San Antonio metros as well as rural Texas. We are a funding platform, not a lender or broker.

What are the typical eligibility floors for Texas SMB financing?

SBA 7(a) typically requires 2+ years in business, 650+ FICO, and $150,000+ in annual revenue. Revenue-based financing may be available with 500+ FICO, 6+ months in business, and $10,000+ monthly revenue. All financing is subject to the funding lender's underwriting on your specific file.

Small Business Loans in Texas

Texas is the second-largest SBA 7(a) lending market in the country and the fastest-growing SMB ecosystem in the US. In FY2024, Texas small businesses received 5,233 SBA 7(a) loans totaling $3.2 billion — with an average loan size of approximately $611,000, reflecting the state's concentration of capital-intensive construction, energy, and professional services businesses. Texas has 3.3 million small businesses representing 99.8 percent of all Texas businesses.