Laredo at a glance

$140.2 million over 242 loans is the Laredo total, FY2017 through FY2026. 278 of 928 is the Laredo place when areas are ordered by loans. Laredo loans center on $125,000, the median. Laredo middle half: $36,200 to $500,000. Laredo: 0.60x of the national median. In Laredo, 211 loans were 7(a) and 31 were 504. Laredo shows a franchise share of 7.9%. Those 242 Laredo loans carry $140.2 million.

Laredo: where the loans land

In Laredo, limited-service restaurant leads at 7 loans. Hotel and motel follows with 5. Full-service restaurant follows with 5. That is the Laredo class lead. The Laredo record also holds 194 loans in no tracked class. Laredo consists of Webb County, TX, where SBA places 242 loans.

Laredo: who holds the loans

Holders in Laredo may not be the makers. Among Laredo 7(a) holders: 71 loans at PNC Bank, National Association ($9.8 million) and 13 loans at BayFirst National Bank ($1.8 million). Laredo holders under 504 include Texas Certified Development Company, Inc. with 25 loans ($48.6 million). For a Laredo borrower, the rows are context only. The Laredo rows are silent on holder terms.

Laredo: floors, and what is withheld

Of Laredo approvals from FY2017 to FY2024, 8.3% were cancelled, a floor. Laredo withholds a ceiling: Laredo loans are too few. 114 Laredo loans make the FY2017 to FY2021 cohort; 7.9% are charged off, a floor. Laredo withholds a five-year rate: Laredo loans are too few. Laredo rates are floors. Loans season, and Laredo events can still raise them. Laredo loans are placed by county name. For Laredo, the July 2023 list governs. Laredo omits loans with no county match. Laredo totals hold untracked-class loans too.

Laredo: the feasibility questions

Laredo approvals were thinnest in FY2019 (13 loans, $7.2 million) and heaviest in FY2017 (46 loans, $5.9 million). The latest year, FY2026, shows 13 loans and $11.1 million for Laredo. A Laredo feasibility study tests demand first, from Webb County, TX outward, not from the area average. Laredo costs sit beside a $125,000 median. Laredo stands at 0.60x nationally. Coverage for Laredo is run on weaker income. Laredo floors shape that downside. Laredo appraisal evidence comes from area sales. Laredo income evidence sits beside it. Absorption near Webb County, TX is tested for Laredo on a slow case. The Laredo study states its limits beside Webb County, TX findings.

SBA loans in the Laredo, TX Metro Area

Loans approved, FY2017 to FY2026	242
Gross dollars approved	$140.2 million
Median loan	$125,000
Middle half of loans, from	$36,200
Middle half of loans, to	$500,000
SBA 7(a) loans	211
SBA 504 loans	31
Franchise share of loans	7.9%
Rank among metro and micro areas by loans	278 of 928
Median loan against the national median	0.60x

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)	8.3%
The same, counting loans still undisbursed as cancelled (a ceiling)	withheld
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)	7.9%
Charged off within five years of approval	withheld
Loans in that cohort	114

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 loans approved in the Laredo, TX Metro Area, by fiscal year

Fiscal year	Loans	Dollars
FY2017	46	$5.9 million
FY2018	22	$4.7 million
FY2019	13	$7.2 million
FY2020	18	$11.6 million
FY2021	28	$21.1 million
FY2022	15	$11.9 million
FY2023	30	$20.2 million
FY2024	33	$25.8 million
FY2025	24	$20.6 million
FY2026	13	$11.1 million

Loans by asset class

Asset class	Loans
Not in any of the 39 asset classes	194
Limited-service restaurant	7
Hotel and motel	5
Full-service restaurant	5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Most active SBA lenders

SBA 504: lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
Texas Certified Development Company, Inc.	25	$48.6 million

SBA 7(a): lenders by loans approved (the current holder of each loan, as SBA reports it)
Lender	Loans	Dollars
PNC Bank, National Association	71	$9.8 million
Wells Fargo Bank National Association	19	$2.5 million
JPMorgan Chase Bank, National Association	15	$4.0 million
BayFirst National Bank	13	$1.8 million
PeopleFund	10	$1.7 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

County	Loans
Webb County, TX	242

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.

All assets: every 7(a) and 504 approval in the metro, including those outside the 39 asset classes.

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 MT-29700.

Related feasibility study pages

Worked examples

Worked Example: SBA 7(a) Flex-Serve Car Wash Feasibility Study in Texas

A worked example of the feasibility study a lender would read for a car wash project in Texas, financed with an SBA 7(a) loan.

State: Texas · Asset: Car wash · Program: SBA 7(a)

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project in the Laredo, 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.

Daniel Smith, MAI

Feasibility Study Data for the Laredo, TX Metro Area