Small Business Loan

Affordable Funding Solutions for Business Growth

HBDi offers comprehensive small business loan services tailored to meet the unique needs of businesses seeking capital for growth and expansion. Our loan programs provide flexible financing options that bridge the gap between traditional bank financing and alternative funding sources.


To qualify for our small business loan services, your business must meet the following criteria:

  • Your business must be legally established as a for-profit or non-profit entity in Houston or the surrounding counties.
  • We consider your business’s financial position and the personal support for the project, along with reasonable assurance of repayment based on past and projected earnings.
  • Satisfactory credit history and personal character are essential factors in determining eligibility.
  • Your business should be able to meet our job creation goals of one job created per $35,000 borrowed.
  • Certain types of businesses, such as those involved in adult entertainment or selling alcoholic beverages, are ineligible for participation in our loan programs.

Loan Terms & Conditions

Our small business loan services offer attractive terms and conditions designed to suit your business needs:

  • Benefit from fixed, below-market rates as low as 5%, determined on a case-by-case basis.
  • Utilize loan proceeds ranging from $5,000 to $500,000 for various purposes, including working capital, furniture and fixtures, equipment, and real estate.
  • Enjoy flexible terms of up to 25 years, based on the asset’s useful life.
  • A $75 Direct Loan Application Fee and a $250 Tandem Loan Application Fee apply, along with a 1% origination fee. Rest assured; there are no prepayment penalties.

Other Program Features

Our small business loan services encompass additional features to support your borrowing needs:

  • We require sufficient collateral, such as unencumbered tangible assets, to secure the proposed loan.
  • Principals with 20% or more ownership must personally guarantee the loan, ensuring commitment to its successful repayment.
  • Start-up businesses and companies without reported earnings must submit a detailed business plan, including projections and underlying assumptions
  • Borrowers have a two-year window from funding to create the required jobs, promoting job creation and economic growth.