Houston-Galveston Area Local
Development Corporation

SBA 504 Loans & Business Loan Funds

Supporting Local Community Economic Development

SBA Update - Texas Business Owners may now apply for COVID-19 Disaster Relief
COVID 19 - H-GALDC Program Operations

How can we help you?

H-GALDC partners with local banks to provide low-cost, fixed-rate, government-guaranteed Small Business Administration 504 Loans. We also offer the Business Loan Fund when traditional financing isn't available or isn't enough.

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SBA 504 Loan

SBA 504 Loan Program loans offer lower, fixed interest rates and 20-year repayment terms. Projects include fixed assets and typically range from $500,000 up to $10 million.

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Business Loan Fund

The Business Loan Fund offers loans with 10-year repayment terms for real estate, construction, equipment, and working capital with a minimum interest rate of 4%. Projects typically range from $100,000 to $300,000.

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U.S. Small Business Administration

The U.S. Small Business Administration helps Americans start, build, and grow businesses. Learn more →

University of Houston Small Business Development Center Network

The UH SBDC is a business consulting and training center of the University of Houston SBDC Network.

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Lone Star College System Small Business Development Center

The Lone Star College System Small Business Development Center (SBDC)  works with existing companies to help them grow and compete in today's global economy.

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SBA 504 Loans

SBA 504 Loan Program loans offer lower, fixed interest rates and 20-year repayment terms.

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Google My Business

Google My Business is a free and easy-to-use tool for businesses and organizations to manage their online presence across Google, including Search and Maps.

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Service Corps Of Retired Executives

SCORE (formerly known as Service Corps Of Retired Executives) is a nonprofit association dedicated to helping small businesses get off the ground, grow and achieve their goals through education and mentorship.

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Business Loan Fund

The Business Loan Fund offers loans with 10-year repayment terms for real estate, construction, equipment, and working capital with a minimum interest rate of 4%.

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Learn More About Our Process

Low-cost, fixed-rate, government-guaranteed SBA 504 Loans.

H-GALDC - A Program by Houston-Galveston Area Council

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Loan Amount Disbursed
Number of Borrowers
Jobs Created
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Average Loan Disbursed

Testimonial

Customer Testimonails

"Our passion is to “Build Relationships that Last Generations!” Our land and building ownership, made possible through our partnership with H-GALDC is a big part of making the fulfillment of our passion possible. Thank you, H-GALDC for your support!"

Clark B. Boyd   Molen & Associates

More from H-GALDC

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H-GALDC Community Enhancement Grants

In partnership with the Houston-Galveston Area Council (H-GAC), the Houston Galveston Area Local Development Corporation (H-GALDC) is pleased to issue this request for proposals for the Community Enhancement Grants initiative.
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H-GALDC Offers Lower Servicing Fees.

H-GALDC offers lower servicing fees than any other lender in the region, along with providing a flexible process flow. With a diverse portfolio and mission-driven lending programs, we work to get the money your business needs in order to succeed and thrive.

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H-GALDC Aims To Stimulate Economic Development In The Region

H-GALDC aims to stimulate economic development in the region by leveraging other programs offered at the Houston-Galveston Area Council and relationships to engage a variety of stakeholders in the community in order to identify and fund viable projects, with an emphasis on rural and underserved communities.

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How the SBA 504 Loan Program Process Works

H-GALDC works directly with the financial institution and business applicant to develop financing packages that meet SBA 504 Loan Program guidelines and credit criteria.
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