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Our programs offer flexibility, fixed rates, long-term amortization, and quick turn around

HBDi works to assist small companies in overcoming the biggest challenge of any start-up or emerging business, access to capital. Through various loan programs, eligible small businesses throughout Houston are able to access affordable financing that they may not qualify for with conventional lenders.

Structured with flexible repayment terms, lower interest rates and longer terms, HBDi loans are designed to help small and emerging businesses to expand and grow and in turn stimulate the local economy by creating jobs for Houston Citizens. We work closely with commercial banks and lenders to mitigate the risks they may associate with loan request that are marginal.

Since the inception of our lending programs in 1986 HBDi has participated in funding $82 million in loans to hundreds of small businesses in Houston, resulting in the creation of over 2,500 jobs for low-moderate income citizens.

The best way to learn more about our programs and start the application process is to fill out the short online contact form or call one of our loan officers to discuss your financing needs.   Available HBDi loans include:

Small Business Loan

• $5,000 up to $250,000
• Working capital, Equipment, Furniture & fixtures
• Up to 25 year terms, fixed rates

Fast Track Loan

• $5,000 up to $25,000
• Seven year term
• Three day processing, low-fixed rates
• Includes Management and Technical assistance

Start-Up Business Loan

• Up to $100,000
• 33% Equity injection
• Relevant Industry Experience
• Detailed Business Plan

SBA 504 Loan

• Up to $5 million
• Commercial Real Estate, Renovations and Heavy Equipment
• 10% Down payment
• Fixed below market rates of interest