Houston-Galveston Area Local
Development Corporation

SBA 504 Loans & Business Loan Funds

Supporting Local Community Economic Development

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NEWS

How can we help you?

H-GALDC partners with local banks to provide low-cost, fixed-rate, government-guaranteed Small Business Administration 504 Loans.

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SBA 504 Loan

SBA 504 Loan Program loans offer lower, fixed interest rates and 25-year repayment terms. Projects include fixed assets and typically range from $500,000 up to $10 million.

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GCEDD Business Loan Fund

The GCEDD 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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Houston-Galveston Area Local Development Corporation

Licensed throughout Texas Learn more →

About H-GALDC

Founded in the early 1980’s by the Houston-Galveston Area Council, the Houston-Galveston Area Local Development Corporation (H-GALDC) is licensed throughout Texas as an SBA 504 Loan Program certified development company (CDC). We support economic development through low-cost, fixed rate commercial/industrial real estate, working capital and equipment financing to new, existing and expanding small businesses.

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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. The staff then processes, closes, and services the loan. SBA 504 Loan Program loans offer lower, fixed interest rates and longer, 25-year repayment terms.

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