Harris County COVID19 Forgivable Loan Program

HGALDC - Houston-Galveston Area Local Development Corporation

Get Ready! Harris County COVID19 Forgivable Loan Program is coming soon!

Harris County has partnered with the Houston-Galveston Area Council to develop and administer and economic development loan program in response to the COVID-19 pandemic. The program aims to help businesses impacted by the pandemic by offering zero-interest, forgivable loans to meet ordinary and necessary operating expenses and obligations. The program is designed to be nimble and responsive to bring financial relief to small businesses who have sustained significant economic injury. Businesses will be able to use the funds to cover working capital costs, such as payroll, accounts payable, rent, mortgage and other necessary expenses. The goal is to be a resource that businesses may leverage to help them survive during the crisis and resume normal operations.

The Harris County COVID19 Forgivable Loan Program Assistance may be used in conjunction with other disaster loan programs and will not duplicate the proposed use of loan proceeds for these programs. Additionally, the Harris County Loan may be used as a bridge loan for borrowers who have applied for the US Small Business Administration’s Economic Injury Disaster Loan (EIDL) program. The Harris County Loan may be paid in full with the loan proceeds from the SBA’s EIDL program or other long-term loan programs.

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CHECK YOUR ELIGIBILITY

To qualify for a loan, small businesses must meet the following requirements:

  • Located in Harris County
  • Business must have been in operation on or before January 1, 2019
  • Property taxes in good standing with Harris County Tax Office
  • Proof of negative revenue impact by COVID-19
  • Less than $15 million net worth
  • Average net income of $5 million or less

DOCUMENTS

Businesses must complete or provide:

  • One-page loan application
  • Two years of business tax returns or personal tax returns if in business for less than two years
  • Most recent business financial statements
  • Personal financial statements
  • One year of projections
  • Narrative regarding the impact of government restrictions or other challenges due to COVID-19 and supporting documentation indicating the loss of revenue, sales, projected losses, staff, etc., due to these restrictions or challenges.
  • Copy of current payroll, bills, and expenses
  • Copy of lease agreementƒ
  • Current debt schedule
  • Additional documents as needed

CHECK FOR UPDATES

Visit hgaldc.com for the latest updates to this program.

Application Form Coming Soon!