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Find similar grantsSBA 504 Loan Program is sponsored by Houston-Galveston Area Local Development Corporation (H-GALDC). Provides low-cost, fixed-rate loans for real estate, construction, equipment, and working capital.
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HGALDC | Houston-Galveston Area Local Development Corporation Eligibility & Debt Refinance Typical SBA 504 Loan Project Structure $1,000,000 Project Example 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. The borrower contributes less equity, which preserves liquidity, and longer terms help improve cash flow. Borrowers can roll most of the soft costs of obtaining the loan into the project financing.
Partner lending institutions fund 50% of the project amount and hold the first lien on the loan. Is the business for-profit and located in Texas? Will the business occupy at least 51% of the project property for existing buildings or 60% of the project property for new construction?
Or, will the equipment be used for business operations? Does the business, including affiliates, have a tangible net worth of less than $20 million and have an average net income of less than $6. 5 million after federal income taxes for the two years preceding your application?
If the answer is “yes” to all of these questions, the project will likely qualify for the 504 Loan Program. Purchase of Existing Buildings Fixed Assets from Business Acquisition Building Expansion/Renovation Lender’s Interim Points & Interest Your SBA 504 Loan in 5 easy steps Complete an online form to determine eligibility. H-GALDC staff will conduct preliminary review of your project.
Complete application. H-GALDC staff can assist with the application process and work with your bank to obtain a commitment letter. H-GALDC staff will complete the underwriting and submit the application to SBA for approval.
The Small Business Administration will issue a Loan Authorization upon approval. Loan proceeds are disbursed. After all approvals, construction can begin, or applicant can move into existing facility.
Project Completion/Funding After project completion and funding have been confirmed, applicant will sign all SBA documents and begin monthly payments. SBA 504 Loan Project Review Form For information on Business Loan Fund Start here
Based on current listing details, eligibility includes: New, existing, and expanding small businesses in Texas. Applicants should confirm final requirements in the official notice before submission.
Current published award information indicates $500,000 to $10 million Always verify allowable costs, matching requirements, and funding caps directly in the sponsor documentation.
The current target date is rolling deadlines or periodic funding windows. Build your timeline backwards from this date to cover registrations, approvals, attachments, and final submission checks.
Federal grant success rates typically range from 10-30%, varying by agency and program. Build a strong proposal with clear objectives, measurable outcomes, and a well-justified budget to improve your chances.
Requirements vary by sponsor, but typically include a project narrative, budget justification, organizational capability statement, and key personnel CVs. Check the official notice for the complete list of required attachments.
Yes — AI tools like Granted can help research funders, draft proposal sections, and check compliance. However, always review and customize AI-generated content to reflect your organization's unique strengths and the specific requirements of the solicitation.
Review timelines vary by funder. Federal agencies typically take 3-6 months from submission to award notification. Foundation grants may be faster, often 1-3 months. Check the program's timeline in the official solicitation for specific dates.
Many federal programs offer multi-year funding or allow competitive renewals. Check the official solicitation for continuation and renewal policies. Non-competing continuation applications are common for multi-year awards.
The purpose of this FOA is to provide funding for up to four (4) Tribal Colleges and Universities (TCUs) that will provide entrepreneurial development services to Native American communities, focusing on supplying services to socially and economically disadvantaged entrepreneurs in locations that are outside of the geographical areas of existing SBA resources. Eligible applicants must be Tribal Colleges and Universities as defined in the Higher Education Act HEA 316 (U.S.C. 1059c). Funding Opportunity Number: SB-GC7J-23-002. Assistance Listing: 59.007. Funding Instrument: G. Category: BC,ED. Award Amount: Up to $250K per award.
The purpose of this FOA is to provide funding for up to two (2) private, non-profit organizations that will provide entrepreneurial development services to women, with an emphasis on socially and economically disadvantaged entrepreneurs in locations that are outside of the geographical areas of existing WBCs for the District of Columbia (DC) and the State of Oregon. There will be one award for each location. Eligible applicants must be private, non-profit organizations with 501(c) tax exempt status from the U.S. Treasury’s Internal Revenue Service and must provide services to the District of Columbia (DC) and State of Oregon. Funding Opportunity Number: SB-OEDWB-23-002. Assistance Listing: 59.043. Funding Instrument: G. Category: BC,CD,RD. Award Amount: $75K – $150K per award.
Small Business Innovation Research and Small Business Technology Transfer Programs Phase I is sponsored by U.S. Department of Agriculture (USDA) National Institute of Food and Agriculture (NIFA). The USDA SBIR/STTR programs support small businesses in creating innovative, disruptive technologies with commercial potential or societal benefit, including projects dealing with agriculturally-related manufacturing and alternative and renewable energy technologies. Specialty tubing could be relevant for agricultural equipment or renewable energy systems.