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Through an affiliate company licensed to make SBA 504 loans, Lone Star State Capital Corporation, HBDi is able to provide small businesses access to long-term, below-market, fixed-rate financing for construction and renovation of commercial and industrial buildings or to acquire real estate, heavy machinery, or equipment.

SBA 504 loans are administered by Certified Development Companies (CDCs), like Lone Star State Capital Corporation. 504 loans are typically financed 50 percent by a commercial lending institution such as a bank, 40 percent by the CDC, and 10 percent by the business itself. As a result of receiving SBA 504 assistance, the small business is expected to create and/or retain jobs for local citizens.

An SBA 504 loan can be a powerful tool to help your business grow. It offers:

  • 90% financing, to preserve working capital for business expansion
  • Low monthly loan payments by utilizing 10 to 20 year amortization schedules
  • 20 year fixed rate that is normally below market rates
  • The ability to finance the SBA fees into the loan, reducing up-front cash outlay

Typical SBA 504 Loan Structure

Typical SBA 504 Loan Structure

For more information about Lone Star State Capital Corporation, the SBA 504 program or to apply for a loan call us at (713) 845-2408 or visit

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