11.0% of TX total
Avg: $91,844 per loan
$437M outstanding
93.7% forgiveness rate
PPP Program Overview: San Antonio, TX
Between April 2020 and May 2021, the U.S. Small Business Administration disbursed approximately 81,997 Paycheck Protection Program loans in the San Antonio metropolitan area, totaling $7.5B. These loans supported approximately 640K jobs in the local economy during the COVID-19 pandemic.
Of these loans, 76,831 (93.7%) were fully forgiven. However, 5,166 loans totaling $437M remain unforgiven and are potentially subject to SBA collection, Treasury offset, or DOJ enforcement action.
San Antonio is part of Texas, which has a High enforcement risk classification. The DOJ PPP Strike Force operates nationally, with particular focus on major metropolitan areas where loan volumes and dollar amounts are highest.
Enforcement Risk in San Antonio
San Antonio is in a high-priority enforcement area. Major metro areas with high loan volumes and large average loan sizes attract concentrated DOJ and SBA OIG attention. Multiple qui tam (whistleblower) cases have been filed in federal courts covering the San Antonio area, and the SBA OIG maintains active field offices in the region.
The False Claims Act statute of limitations extends through 2030-2031 for PPP loans. This means new enforcement actions can still be initiated against San Antonio borrowers for several more years.
San Antonio vs. Texas Average
Frequently Asked Questions: PPP in San Antonio
How many PPP loans were issued in San Antonio, TX?
San Antonio, Texas received approximately 81,997 PPP loans totaling $7.5B between April 2020 and May 2021. The average loan size was $91,844, supporting approximately 640K jobs in the San Antonio metro area.
How many PPP loans in San Antonio were not forgiven?
Approximately 5,166 PPP loans in the San Antonio metro area (6.3% of total) were not forgiven, representing $437M in outstanding obligations. These borrowers may face Treasury collection actions or SBA enforcement.
What is the PPP enforcement risk in San Antonio?
San Antonio is in a "High" enforcement risk area. The DOJ PPP Strike Force and SBA OIG maintain active investigations in major metro areas. Borrowers in San Antonio with unforgiven loans or application discrepancies should be aware of ongoing enforcement activity through 2030-2031.
Can I still face a PPP audit in San Antonio in 2026?
Yes. The False Claims Act has a 6-10 year statute of limitations. Since PPP loans were issued in 2020-2021, enforcement actions can continue through 2030-2031. San Antonio borrowers remain at risk regardless of whether their loan was forgiven.
Are You at Risk?
5,166 San Antonio area borrowers have unforgiven PPP loans. Find out your specific risk level in under 3 minutes.
Other Cities in Texas
Data Sources: U.S. Small Business Administration PPP Data Reports, PandemicOversight.gov, U.S. Treasury Department. Metro-area estimates derived from state-level data with population-weighted distribution. Last updated May 2026.