Loan Programs

Loan Programs Services

At HBDi, we understand that access to capital is crucial for small businesses and startups to thrive and grow. Our loan program services are specifically designed to provide the financial resources you need to overcome the challenges of starting or expanding your business.

With our non-bank community development financial institution status, HBDi is dedicated to serving innovative startups, small businesses, and entrepreneurial ventures based in Houston, TX. We aim to enhance the city’s ease of doing business ratio, with an amplified effect extending to the state and country. Our seamless fund acquisition process ensures that you have the capital required to turn your business ideas into reality.

Our loan program services offer flexibility, fixed rates, long-term amortization, and quick turnaround, empowering you to seize opportunities and drive success. Whether you need financing for purchasing equipment, financing real estate, expanding working capital, or growing your business, our term loans are tailored to meet your needs. With structured repayment terms and lower interest rates, our loans are designed to support small and emerging businesses, stimulating the local economy by creating jobs for the citizens of Houston and surrounding areas. We work closely with commercial banks and lenders to mitigate any perceived risks associated with loan requests that may be considered marginal.

Since our inception in 1986, HBDi has proudly participated in funding $82 million in loans to hundreds of small businesses in Houston, creating over 2,500 jobs for low-moderate-income citizens. Ready to take your business to new heights? Contact us today to learn more about our loan program services and start the application process. Our experienced team is here to help you find the right financing solution for your business's unique needs.

Small Business Loan

  • Access capital ranges from $5,000 up to $500,000.
  • Use the funds for working capital, equipment, furniture & fixtures, and real estate investments.
  • Benefit from flexible terms of up to 25 years and fixed rates tailored to your needs.

Fast Track Loan

  • Obtain quick funding of $5,000 up to $25,000.
  • Enjoy a streamlined process with three-day processing and low-fixed rates on a 7-year term.
  • This loan option includes management and technical assistance to support your business growth.

Start-Up Business Loan

  • Secure up to $150,000 for your start-up venture.
  • Demonstrate a 33% equity injection, relevant industry experience, and a detailed business plan.
  • Ensure sufficient cash flow and collateral to qualify for this funding option.

SBA 504 Loan

  • Access substantial funding of up to $5 million for commercial real estate, renovations, and heavy equipment.
  • Benefit from a low 10% down payment, making it an attractive option for expansion.
  • Enjoy fixed below-market rates of interest, maximizing your investment potential.

Minimizing Business Development Constraints Throughout Houston & Beyond