Houston-Galveston Area Local
Development Corporation

SBA 504 Loans & Business Loan Funds

Supporting Local Community Economic Development

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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 25-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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Economic Injury Disaster Loans (EIDL)

Offered by the Small Business Administration to help small businesses overcome the temporary loss of revenue due to COVID-19. For more information and to apply, visit .

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SBA 504 Loans

SBA 504 Loan Program loans offer lower, fixed interest rates and 25-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
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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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