The Small Business Administration administers the federal government’s primary small business support programs. For Texas businesses in 2026, SBA programs continue to be the most significant source of government-backed lending and business development assistance. This guide covers the current state of SBA programs available to Texas businesses.
SBA Lending Programs in 2026
7(a) Loan Program
The SBA 7(a) program remains the most widely used SBA lending program. Loans up to \$5 million with government guarantees of up to 85%. Available for working capital, equipment, real estate, and business acquisition. Full 7(a) guide.
504 Loan Program
Fixed-rate financing for major asset purchases including commercial real estate and heavy equipment. Loans up to \$5.5 million with below-market fixed interest rates. Full 504 guide.
Microloan Program
Loans up to \$50,000 through nonprofit community lenders. Designed for startups and small businesses that need smaller amounts of capital and may not qualify for conventional bank financing.
SBA Certification Programs
- 8(a) Business Development: Nine-year program providing set-aside government contracts and business development support for socially and economically disadvantaged businesses. 8(a) guide.
- HUBZone: Preferences for businesses located in historically underutilized business zones. HUBZone guide.
- WOSB/EDWOSB: Set-aside contracts for women-owned and economically disadvantaged women-owned small businesses. WOSB guide.
SBIR/STTR Grants
The SBIR/STTR program is the federal government’s primary small business grant program. Eleven federal agencies issue grants for innovative research and development:
- Phase I: Feasibility research, \$50,000 to \$275,000
- Phase II: Full development, up to \$1.5 million
- Phase III: Commercialization (no set limit)
SBA Counseling Resources
- SBDCs: Free business advising. Find your SBDC.
- SCORE: Free volunteer mentoring. Find SCORE.
- SBA District Offices: Program information and referrals. Find your office.
Find Your SBA Program Match
SBA programs are just one category of government assistance. Our \free screening report checks your business against 150+ verified programs including SBA lending, federal grants, state incentives, and local programs. Start your free screening →