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For businesses that have not been able to obtain the desired level of capital to grow and expand, an affordable Small Business Loan can be structured to meet your specific needs. We offer loans ranging from $5,000 up to $500,000 that are designed to help bridge the gap between commercial bank financing and other funding sources.


  • Must be a legally established for profit or non-profit business located in Houston or surrounding counties
  • Sound financial position and reasonable personal support for the project
  • Reasonable assurance of repayment, based on past and projected earnings
  • Satisfactory credit history and personal character
  • Must be able to meet job creation goals of one (1) job created per $35,000 borrowed
  • Certain types of businesses, e.g., adult entertainment, selling alcoholic beverages, etc., are ineligible to participate in the loan programs.

Terms and Conditions

  • Fixed, below-market rates as low as 5% determined on a case-by-case basis
  • Loan proceeds can be used for working capital, furniture and fixtures, equipment and real estate
  • Terms are available up to 25 years based on the useful life of the asset
  • $75 Direct Loan Application Fee and $250 Tandem Loan Application Fee; 1% origination fee
  • No prepayment penalties

Other Program Features

  • Must have sufficient collateral (unencumbered, tangible assets) to secure the proposed loan
  • Principals having 20% or more ownership are required to personally guarantee the loan
  • Start-up businesses and/or or companies that have no reported earnings must submit a detailed business plan with projections and underlying assumptions
  • Borrower has two years from funding to create the required jobs.


Small Business Loan Application [pdf]

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