Corpus Christi is a city located in the southernmost tip of Texas. The city has a population of 325,605 and is the eighth most populous city in the state of Texas. The economy of Corpus Christi is largely based on oil and gas production, tourism, and agriculture. The city is home to the Port of Corpus Christi, which is the fifth largest port in the United States by total cargo tonnage.
The Corpus Christi metropolitan area has a population of 442,600 and is the ninth largest metropolitan area in Texas. The economy of the Corpus Christi metropolitan area is also largely based on oil and gas production, tourism, and agriculture. The city is home to several large oil refineries, including the Flint Hills Resources Corpus Christi Refinery, the Citgo Corpus Christi Refinery, and the Valero Corpus Christi Refinery.
The Corpus Christi area is also home to several military installations, including the Corpus Christi Army Depot, the Naval Air Station Corpus Christi, and the Coast Guard Air Station Corpus Christi.
Comparing SBA loan types in Corpus Christi
Three SBA programs come up most often for Corpus Christi, Texas businesses, and they do different jobs.
SBA 7(a) loan: program overview
Maximum loan
$5 million (sba.gov, fetched 2026-07-24)
What it funds
Working capital, equipment, owner-occupied commercial real estate, refinancing business debt, and business acquisition.
Who lends
Participating banks and non-bank lenders. The SBA guarantees a portion of the loan; it does not lend directly to borrowers.
Rate structure
Negotiated between lender and borrower, capped at the SBA maximum. Most 7(a) loans price off the WSJ prime rate plus a spread.
Personal guaranty
Required from every owner of 20% or more of the business (13 CFR 120.160(a)).
Program facts confirmed against sba.gov/funding-programs/loans/7a-loans on Jul 24, 2026. Confirm current fees and maximum rates with your lender before relying on them.
SBA 504 loan: program overview
Maximum loan
$5.5 million per the SBA-backed debenture (sba.gov, fetched 2026-07-24). Total project size can be larger because a bank funds the first mortgage alongside it.
What it funds
Major fixed assets: owner-occupied commercial real estate and long-life machinery and equipment. Not working capital or inventory.
Structure
A conventional first-mortgage lender, a Certified Development Company holding the SBA-backed second, and a borrower down payment.
Rate
The CDC portion is fixed for the full term and set at the monthly debenture sale.
Program facts confirmed against sba.gov/funding-programs/loans/504-loans on Jul 24, 2026.
SBA Express: program overview
What it is
A delivery method inside the 7(a) program. The lender uses its own forms and procedures and gets an accelerated SBA response, in exchange for a lower SBA guarantee percentage than Standard 7(a).
What it funds
The same uses as 7(a), including revolving lines of credit, which Standard 7(a) term loans do not offer.
Trade-off
Faster turnaround and lighter paperwork, against a smaller guaranteed portion, which some lenders price for.
Current SBA Express maximum loan size and guarantee percentage are set by SBA notice and change. Confirm them on sba.gov or with your lender; this site does not publish an unverified figure.
Small business loans available in Corpus Christi
An SBA 7(a) loan made to a Corpus Christi, Texas business is made by a participating lender, not by the SBA.
The lender underwrites it, sets the rate within the SBA maximum, and services it. What varies locally is
which lenders are active, not the program rules.