Flex Space Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area

What SBA's own loan files show about nonresidential lessor (flex, office and retail investor buildings) lending in the Dallas-Fort Worth-Arlington, TX Metro Area, and what a feasibility study for a project there has to test.

How Dallas-Fort Worth-Arlington ranks for flex space

Behind 45 SBA approvals worth $53.1 million between FY2017 and FY2026, Dallas-Fort Worth-Arlington, TX stands 2 of 312 among metro and micro areas. Counting flex space loans, Dallas-Fort Worth-Arlington stands at 1.16x of the national share: Dallas-Fort Worth-Arlington leans toward the class. Within Dallas-Fort Worth-Arlington's own mix the class ranks 19 of 39, a mid-table class. Every project county in Dallas-Fort Worth-Arlington lies in TX.

In Dallas-Fort Worth-Arlington, the median loan is $999,000, while the central half spans $441,000 to $1.6 million. The local median is 1.67x the class median nationally, so Dallas-Fort Worth-Arlington tickets run bigger. The program split is withheld for Dallas-Fort Worth-Arlington. Dallas-Fort Worth-Arlington's split rests on thin counts; Dallas-Fort Worth-Arlington blanks are not zeros. No franchise share is printed for Dallas-Fort Worth-Arlington, as counts are thin, and Dallas-Fort Worth-Arlington brand status stays open.

Dallas-Fort Worth-Arlington holders and counties for flex space

Under 7(a) in Dallas-Fort Worth-Arlington, the leading holders recorded are Enterprise Bank & Trust, 9 loans for $9.4 million. The 504 table for Dallas-Fort Worth-Arlington is empty. Every Dallas-Fort Worth-Arlington row is an SBA record. Dallas-Fort Worth-Arlington lenders hold or held these loans. The Dallas-Fort Worth-Arlington table describes files, not practices. Dallas-Fort Worth-Arlington rows state no lender requirement. Across Dallas-Fort Worth-Arlington counties, Dallas County, TX holds 17 loans; next come Tarrant County, TX (10), Collin County, TX (6) and Denton County, TX (6).

SBA prints these yearly approvals for Dallas-Fort Worth-Arlington: 7 loans and $8.2 million in FY2019, 9 loans and $16.1 million in FY2020, 16 loans and $17.9 million in FY2021 and 0 loans and $0 in FY2024. The remaining years stay blank under Loan Analytics' small-count rule, so the gaps mean unpublished, never zero. Dallas-Fort Worth-Arlington's cancellation floor is not shown. Thin Dallas-Fort Worth-Arlington cohorts leave no floor to print. For Dallas-Fort Worth-Arlington, no charge-off floor is printed. In Dallas-Fort Worth-Arlington, a thin cohort means unpublished. Counts for Dallas-Fort Worth-Arlington use federal lines from July 2023, with Dallas-Fort Worth-Arlington loans placed by project county, and Dallas-Fort Worth-Arlington omits unmatched counties. In Dallas-Fort Worth-Arlington, flex space cannot be told from office or retail lessors, because one code serves all of them, and the class nearly stops after FY2023, because SBA regards most lessor businesses as passive and ineligible from FY2024 on.

What a Dallas-Fort Worth-Arlington flex space study must prove

Dallas-Fort Worth-Arlington: this flex space record sets context; a study supplies proof. In Dallas-Fort Worth-Arlington, underwriters will ask the study to address whether office and retail comparisons mislead. The Dallas-Fort Worth-Arlington file should document tenant demand by submarket and bay size. For Dallas-Fort Worth-Arlington, the study should address parking and loading needs of tenants. Dallas-Fort Worth-Arlington lenders need the study to show rents and vacancy from leasing evidence. Dallas-Fort Worth-Arlington reviewers will check support for rents in net income. Dallas-Fort Worth-Arlington work runs demand, cost, coverage, value. No Dallas-Fort Worth-Arlington approval is promised here.

SBA nonresidential lessor (flex, office and retail investor buildings) loans in the Dallas-Fort Worth-Arlington, TX Metro Area

Loans approved, FY2017 to FY202645
Gross dollars approved$53.1 million
Median loan$999,000
Middle half of loans, from$441,000
Middle half of loans, to$1.6 million
SBA 7(a) loanswithheld
SBA 504 loanswithheld
Franchise share of loanswithheld
Rank among metro and micro areas for nonresidential lessor (flex, office and retail investor buildings) loans2 of 312
Rank of nonresidential lessor (flex, office and retail investor buildings) among the classes in this area19 of 39
Location quotient (share of loans against the national share)1.16x
Median loan against the national median for the class1.67x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

SBA nonresidential lessor (flex, office and retail investor buildings) loans approved in the Dallas-Fort Worth-Arlington, TX Metro Area, by fiscal year

05101520FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025FY2026Loans, FY2019: 7Loans, FY2020: 9Loans, FY2021: 16Loans, FY2024: 0
Fiscal yearLoansDollars
FY2017withheldwithheld
FY2018withheldwithheld
FY20197$8.2 million
FY20209$16.1 million
FY202116$17.9 million
FY2022withheldwithheld
FY2023withheldwithheld
FY20240$0
FY2025withheldwithheld
FY2026withheldwithheld

Most active SBA lenders

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
LenderLoansDollars
Enterprise Bank & Trust9$9.4 million

Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.

Where the loans are, by county

CountyLoans
Dallas County, TX17
Tarrant County, TX10
Collin County, TX6
Denton County, TX6

Counties with 5 or more loans; smaller ones are not listed.

Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.

Flex space cannot be separated from office or retail lessors. Nearly stops from FY2024.

Shared code: Flex, office, retail and banquet hall rental share 531120.

SBA lending in this class almost stops from FY2024: SBA treats most lessor businesses as passive and ineligible, so the record here is mostly older loans.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-19100-C09.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a nonresidential lessor (flex, office and retail investor buildings) project in the Dallas-Fort Worth-Arlington, TX Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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