GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
145
2010–2026
Total Volume
$115M
Gross loan amounts
States Active
2
With recorded loans
Programs
504
145 total segments
Caprock Business Finance is a 504-only lender, focusing entirely on real estate and equipment financing, which is evident from their 100% 504 deal share. This specialization can benefit borrowers looking for long-term financing options for established businesses.
With an average deal size of $793,579, Caprock is well-suited for borrowers seeking financing in the $500K to $1M range, as they have completed 37 deals in that band. If your financing needs fall within this range, they may be a good fit.
Caprock's growth trend shows a decline of 20% year-over-year, with only 12 deals in the last four quarters compared to 15 in the previous four. This may indicate a tightening in their lending capacity, so potential borrowers should be prepared for a more competitive approval process.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 145 504 loans, which use fixed SBA debenture rates.
States where Caprock Business Finance Corpo has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Auto Repair & Maintenance
Other Services
Hotels & Accommodation
Accommodation & Food Services
Specialty Trade Contractors
Construction
Retail Trade
Retail Trade
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Other Professional Services
Professional Services
+ 7 more
All recorded SBA lending activity for Caprock Business Finance Corpo, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 8 | — | $703K | Q4 2025 |
| Texas · Restaurants & Food Service · $350K – $500K | 504 | 5 | — | $424K | Q3 2021 |
| Texas · Social Assistance · $1M – $2M | 504 | 5 | — | $1.6M | Q4 2023 |
| Texas · Restaurants & Food Service · $150K – $350K | 504 | 5 | — | $290K | Q3 2022 |
| Texas · Hotels & Accommodation · $2M – $5M | 504 | 4 | — | $3.0M | Q1 2014 |
| Texas · Hotels & Accommodation · $1M – $2M | 504 | 3 | — | $1.7M | Q3 2019 |
| Texas · Physician & Dental Offices · $1M – $2M | 504 | 3 | — | $1.3M | Q2 2024 |
| Texas · Manufacturing · $150K – $350K | 504 | 3 | — | $235K | Q3 2023 |
| Texas · Other Health Practitioners · $350K – $500K | 504 | 3 | — | $431K | Q2 2021 |
| Texas · Physician & Dental Offices · $350K – $500K | 504 | 3 | — | $407K | Q3 2023 |
| Texas · Retail Trade · $500K – $1M | 504 | 3 | — | $647K | Q1 2022 |
| Texas · Transportation & Warehousing · $150K – $350K | 504 | 3 | — | $294K | Q1 2022 |
| Texas · Wholesale Trade · $150K – $350K | 504 | 3 | — | $230K | Q4 2021 |
| Texas · Physician & Dental Offices · $150K – $350K | 504 | 3 | — | $244K | Q3 2025 |
| Texas · Specialty Trade Contractors · $150K – $350K | 504 | 3 | — | $212K | Q2 2021 |
| Texas · Auto Repair & Maintenance · $350K – $500K | 504 | 3 | — | $441K | Q2 2024 |
| Texas · Other Professional Services · Under $150K | 504 | 2 | — | $109K | Q1 2013 |
| Texas · Other Professional Services · $150K – $350K | 504 | 2 | — | $303K | Q4 2019 |
| Texas · Real Estate · $500K – $1M | 504 | 2 | — | $541K | Q1 2022 |
| Texas · Specialty Trade Contractors · Under $150K | 504 | 2 | — | $100K | Q3 2020 |
| Texas · Administrative & Waste Services · $500K – $1M | 504 | 2 | — | $613K | Q1 2022 |
| Texas · Auto Repair & Maintenance · Under $150K | 504 | 2 | — | $110K | Q4 2010 |
| Texas · Arts, Entertainment & Recreation · $1M – $2M | 504 | 2 | — | $1.6M | Q3 2025 |
| Texas · Arts, Entertainment & Recreation · $2M – $5M | 504 | 2 | — | $3.6M | Q3 2022 |
| Texas · Auto Repair & Maintenance · $150K – $350K | 504 | 2 | — | $214K | Q2 2024 |
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Real experiences from borrowers who closed SBA loans with Caprock Business Finance Corpo.
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