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
439
2010–2025
Total Volume
$426M
Gross loan amounts
States Active
1
With recorded loans
Programs
504
429 total segments
Texas Certified Development Co is a 504-only lender, focusing entirely on real estate financing, which is evident from their 100% 504 deal share compared to the national average of about 18%. This specialization makes them a strong choice for businesses seeking to finance property or equipment, particularly in Texas.
The average deal size at Texas Certified Development Co is $992,152, with a significant number of deals falling in the $500K-$1M range (135 deals). If your financing needs align with this range, this lender could be a good fit, especially for established businesses looking to expand.
The lender has experienced a -22% year-over-year decline in deals, dropping from 18 deals in the previous four quarters to 14 in the last. This trend may indicate a tightening of their lending criteria or a reduced appetite for new loans, which could affect your chances of approval.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 429 504 loans, which use fixed SBA debenture rates.
States where Texas Certified Development Co has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Hotels & Accommodation
Accommodation & Food Services
Real Estate
Real Estate
Social Assistance
Health Care & Social Assistance
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
+ 7 more
All recorded SBA lending activity for Texas Certified Development Co, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 18 | — | $743K | Q1 2023 |
| Texas · Hotels & Accommodation · $1M – $2M | 504 | 15 | — | $1.4M | Q4 2015 |
| Texas · Auto Repair & Maintenance · $500K – $1M | 504 | 14 | — | $789K | Q2 2025 |
| Texas · Physician & Dental Offices · $500K – $1M | 504 | 12 | — | $765K | Q4 2021 |
| Texas · Social Assistance · $1M – $2M | 504 | 10 | — | $1.5M | Q1 2020 |
| Texas · Real Estate · $500K – $1M | 504 | 10 | — | $716K | Q3 2022 |
| Texas · Auto Repair & Maintenance · $350K – $500K | 504 | 9 | — | $411K | Q1 2019 |
| Texas · Hotels & Accommodation · $2M – $5M | 504 | 9 | — | $2.9M | Q3 2024 |
| Texas · Restaurants & Food Service · $150K – $350K | 504 | 9 | — | $224K | Q2 2022 |
| Texas · Transportation & Warehousing · $2M – $5M | 504 | 8 | — | $4.0M | Q4 2024 |
| Texas · Restaurants & Food Service · $1M – $2M | 504 | 8 | — | $1.4M | Q4 2020 |
| Texas · Restaurants & Food Service · $350K – $500K | 504 | 8 | — | $429K | Q3 2021 |
| Texas · Auto Repair & Maintenance · $1M – $2M | 504 | 8 | — | $1.2M | Q2 2023 |
| Texas · Physician & Dental Offices · $1M – $2M | 504 | 7 | — | $1.4M | Q2 2024 |
| Texas · Real Estate · $1M – $2M | 504 | 7 | — | $1.6M | Q1 2025 |
| Texas · Physician & Dental Offices · $150K – $350K | 504 | 7 | — | $263K | Q1 2017 |
| Texas · Arts, Entertainment & Recreation · $500K – $1M | 504 | 7 | — | $673K | Q4 2019 |
| Texas · Manufacturing · $500K – $1M | 504 | 7 | — | $687K | Q2 2021 |
| Texas · Other Health Practitioners · $500K – $1M | 504 | 7 | — | $795K | Q4 2023 |
| Texas · Physician & Dental Offices · $350K – $500K | 504 | 6 | — | $400K | Q3 2021 |
| Texas · Legal Services · $150K – $350K | 504 | 5 | — | $310K | Q4 2021 |
| Texas · Other Health Practitioners · $150K – $350K | 504 | 5 | — | $235K | Q4 2023 |
| Texas · Personal Care (Salons, Spas) · $150K – $350K | 504 | 5 | — | $211K | Q2 2025 |
| Texas · Social Assistance · $150K – $350K | 504 | 5 | — | $228K | Q2 2019 |
| Texas · Nursing & Residential Care · $1M – $2M | 504 | 5 | — | $1.4M | Q1 2025 |
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Real experiences from borrowers who closed SBA loans with Texas Certified Development Co.
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