Amistad Bank Hteao SBA Loans in Texas — 4 Funded
Texas loan data 2022–2025 · Updated June 2026
Amistad Bank has funded 4 SBA loans to Hteao franchisees in Texas, totaling $7.7M in approved financing across 4 cities and 3 congressional districts.
The average Hteao loan in Texas from Amistad Bank is $1.9M at a 7.25% average interest rate, with terms averaging 254 months. The Texas default rate is N/A based on 0 resolved loans. Texas represents 100.0% of Amistad Bank's total Hteao lending nationally. These loans collectively support 105 Texas jobs. SBA-guaranteed portion totals $5.8M (75% of approved volume). 2 of these loans were originated in the last 2 fiscal years.
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Amistad Bank Hteao Loan Performance in Texas
Based on 4 SBA loans originated by Amistad Bank for Hteao franchisees with Texas addresses, the Texas-specific lending relationship spans 2022–2025.
The Texas loan size range extends from $723K to $2.8M, indicating Amistad Bank funds both smaller single-unit Hteao operations and larger multi-unit or renovation projects in Texas. Each loan supports an average of 26 jobs in the local economy, and the portfolio collectively supports 105 Texas jobs. Most Texas Hteao loans from Amistad Bank are classified under "Snack and Nonalcoholic Beverage Bars" (NAICS).
Recent activity: Amistad Bank has originated 2 Hteao Texas loans in the last 2 fiscal years and 4 since fiscal year 2020. The most recent Hteao Texas approval recorded is from FY2025.
SBA guarantee profile: The SBA-guaranteed portion of Amistad Bank's Hteao Texas loans averages 75% of approved volume, totaling $5.8M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
SBA Programs Used for Hteao Loans in Texas
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $1.9M | 7.25% | 254 mo |
Hteao Loan Size Distribution from Amistad Bank in Texas
How Amistad Bank's Hteao Texas loan sizes break down by deal size. Useful for sizing your own deal: where do most Texas Hteao approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Texas Loans |
|---|---|---|---|
| $350K-$750K | 1 | $723K | 25% |
| Over $1.5M | 3 | $2.3M | 75% |
How Amistad Bank Originates Hteao Loans in Texas
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Amistad Bank uses 1 different Texas delivery methods for Hteao:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| 7a General | 4 | $1.9M |
Where in Texas Amistad Bank Funds Hteao Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| San Antonio | 1 | $2.8M | $2.8M | N/A |
| Del Rio | 1 | $1.7M | $1.7M | N/A |
| Temple | 1 | $2.5M | $2.5M | N/A |
| Eagle Pass | 1 | $723K | $723K | N/A |
Amistad Bank's strongest Hteao lending presence in Texas is concentrated in San Antonio (1 loans), Del Rio (1 loans), Temple (1 loans).
Amistad Bank Hteao Lending in Texas Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2025 | 2 | $2.7M | $5.4M | 8.75% |
| 2022 | 2 | $1.2M | $2.4M | 5.75% |
Other Lenders That Fund Hteao in Texas
Amistad Bank is not the only lender funding Hteao in Texas. Compare 9 other banks who have originated Hteao SBA loans to Texas borrowers.
| Lender | Texas Loans | Avg Size | Default Rate |
|---|---|---|---|
| Amistad Bank (this page) | 4 | $1.9M | N/A |
| LiftFund, Inc. | 5 | $972K | N/A |
| Bank Five Nine | 5 | $1.3M | N/A |
| Texas Panhandle Regional Devel | 4 | $756K | N/A |
| Capital Certified Development Corporation | 2 | $150K | N/A |
| Frost Bank | 2 | $603K | N/A |
| SouthWest Bank | 2 | $1.5M | 0% — Low Risk |
| The Huntington National Bank | 2 | $1.0M | N/A |
| Cadence Bank | 2 | $1.4M | N/A |
| Capital Certified Development | 2 | $538K | N/A |
How to Get an SBA Loan for a Hteao Franchise in Texas
If you're considering a Hteao franchise in Texas and want to finance through Amistad Bank or another SBA lender, here's what you need to know based on our analysis of 4 historical Texas loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Hteao's franchise fee and total investment determine minimum capital requirements.
Compare Texas Lenders
10 lenders have funded Hteao in Texas. Lenders with more local Hteao experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Texas borrowers with lenders who have a proven track record funding Hteao in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Texas historical data: The average Hteao SBA loan from Amistad Bank in Texas is $1.9M with a 7.25% interest rate and a 254-month term.Texas loan amounts range from $723K to $2.8M.
Ready to Fund Your Hteao Franchise in Texas?
We connect you with lenders who have already funded Hteao in Texas — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.