SBT is a nationwide direct lender that specializes in hospitality financing. Our lending programs include both Conventional and SBA 7a for franchised properties and independent alike. SBT provides loans for hotel acquisitions, refinancing, and construction loan take-outs. Known for having provided hotel loans for over 35 years to both first time hoteliers and seasoned hoteliers, State Bank of Texas prides itself with the ability to offer quick decisions, timely closings and are driven to help make hotel ownership a reality.