See the national page for Full-Service Restaurants
Full-Service Restaurants in Texas: SBA acquisition loans
From FY2020 to Jun 30, 2026, Texas had 179 Full-Service Restaurants acquisition loans in the SBA 7(a) file.
Texas has about 8.8% of U.S. acquisition loans in this industry (179 of 2,029 loans).
Loans by fiscal year. Years with fewer than 10 loans are not shown.
- FY2020: 22
- FY2021: 16
- FY2022: 18
- FY2023: 28
- FY2024: 20
- FY2025: 48
- FY2026 (to Jun 30): 27
The median approved amount was $610,000. The middle half of approved amounts ran from $351,000 to $1,014,000.
Total approved was $164.0M. The median term was 120 months. The median initial rate was 9.00%.
About 90% of these loans have variable rates.
The seasoned charge-off rate was 3% to 6%, against about 2% nationally. This is an estimate. With under 100 seasoned loans, one loan moves this rate by more than 1 point.
71 distinct lenders hold these loans in the SBA file. Lenders holding 10 or more loans, by count:
- Hanmi Bank 21
- PCB Bank 17
- The Huntington National Bank 17
Lender counts are facts from the file. They are not a ranking and not a recommendation.
Top counties by count:
- Dallas 33
- Collin 32
- Tarrant 25
- Denton 20
- Harris 17
Franchises made up 11.2% of these loans.
Census 2023 counts 20,819 Full-Service Restaurants business locations in Texas. They have 493,197 employees and $12.85B in annual payroll.
8,934 of them have 10 to 49 employees.
Industry code: NAICS 722511. SBA changed industry codes in 2022. The same industry can appear under an old code (loans to FY2022) and a new code (loans from FY2022). Each page shows only its own code, so neither shows the full history.
Texas snapshot
| Measure | Value | What it means |
|---|---|---|
| Acquisition loans | 179 | Number of 7(a) loans labeled Change of Ownership, FY2020 to Jun 30, 2026. Cancelled loans are removed. |
| Loans by year |
| Acquisition loans by SBA fiscal year. FY2026 covers Oct 1 to Jun 30 only. Years with fewer than 10 loans are hidden. |
| Median approved amount | $610,000 | The middle approved amount. Half of the loans were approved for more and half for less. Gross approved amounts, rounded to $1,000. |
| Middle half of approved amounts | $351,000 to $1,014,000 | The range that holds the middle half of approved amounts, from the lower quarter mark to the upper quarter mark. |
| Total approved | $164.0M | The sum of all gross approved loan amounts in this cell. These are approved amounts, not money paid out. Rounded to $0.1 million. |
| Term | 120 months | The median loan term, in months. |
| Rate | 9.00% | The median initial interest rate. |
| Rate type | About 90% variable | How many of these loans have variable rates, rounded to the nearest 10%. |
| Seasoned charge-off rate | 3% to 6% (30 to 99 seasoned loans) Estimate | The share of loans approved in FY2020 to FY2022 that SBA lists as charged off, counted by loans. Charged off is a loan status, not a business closing. Older loans have had more time to be charged off. With under 100 seasoned loans, this shows a band. With under 30, it is hidden. |
| National charge-off rate | About 2% Estimate | The same measure across all industries. It is about 2% by count. |
| Lenders in the SBA file | 71 | The number of distinct lenders that hold these loans in the SBA file. The file lists the current lender, which may not be the original lender. Counts are not a ranking or a recommendation. |
| Lenders holding the most loans | Hanmi Bank 21 PCB Bank 17 The Huntington National Bank 17 | Lenders that hold 10 or more loans in this cell, by count. Names come from public data. |
| Top counties | Dallas 33 Collin 32 Tarrant 25 Denton 20 Harris 17 | Counties with the most acquisition loans in this cell. Counties with fewer than 10 loans are hidden. |
| Franchise share | 11.2% | The share of acquisition loans in this cell that were for franchises. Hidden when fewer than 10 loans were for franchises. |
Local business locations (Census 2023)
| Business locations | 20,819 | Census County Business Patterns 2023: business locations, employees and annual payroll for this industry and area. Census adds small amounts of noise. |
|---|---|---|
| Employees | 493,197 | |
| Annual payroll | $12.85B | |
| Business locations by employee count |
| |
| Business locations with 10 to 49 employees | 8,934 | Census count of local business locations in that size band. |
Data as of: Jun 30, 2026.