Lender intelligence
Financing a cotton ginning acquisition in Texas
The SBA 7(a) lenders funding the most cotton ginning acquisitions in Texas, from public loan records. A lender doing your industry in your state every week underwrites faster and prices sharper.
Deal economics— what it takes to buy & finance cotton ginning in Texas
$1.02M
Typical loan
range $1.02M–$1.02M
$1.14M
Est. purchase price
≈ loan ÷ 90%
$155,866
Cash to close
$113,667 down + fees
$13,237/mo
Typical payment
~9.5% · 10yr
$182,671/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
15 days
Typical time to fund
1
Lenders competing
more = leverage
4.25%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active in cotton ginning · Texas
Ranked by funded cotton ginning acquisitions in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
Not enough public cotton ginning loan history in Texas to rank lenders yet. See cotton ginning lenders nationwide →
1+ funded Cotton Ginning in Texas deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- FIBER AG INC in Wolfforth, TX — $1.0M (2021) · purchase · Cornerstone Capital Bank SSB
- Program
- Preferred Lenders Program
- Rate at approval
- 4.25% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $767K (75%)
- Approval → funding
- 15 days
- Approved
- 11/18/2020
- First disbursed
- 12/3/2020
- Loan status
- Paid in full (6/30/2024)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Change of Ownership
- Industry
- Cotton Ginning
If you were the buyer here
- Est. deal size
- $1.1M
- Est. down payment (10%)
- $114K
- Est. cash at closing
- $156K
- Monthly payment
- $14,101
- Annual debt service
- $169K
- Cash flow needed (1.25×)
- $212K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Cornerstone Capital Bank SSB · Lender record →
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CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to cotton ginning businesses with a Texas project address.
Agent summary
How to finance a cotton ginning acquisition in Texas with an SBA 7(a) loan: the lenders that fund the most of them here (from public records), with the real funded Texas deals. CapBench is not a lender.
- $887K typical loan
- 1 lenders active in Texas
- 1+ funded Texas deals
- 15 days typical to fund
Buyers buying a cotton ginning in Texas typically pre-qualify, then ask CapBench to introduce a lender active here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.