{"id":1559,"date":"2021-05-13T11:38:18","date_gmt":"2021-05-13T18:38:18","guid":{"rendered":"https:\/\/usezloan.com\/?p=1559"},"modified":"2021-05-14T13:08:46","modified_gmt":"2021-05-14T20:08:46","slug":"sba-4","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2021\/05\/13\/sba-4\/","title":{"rendered":"SBA \uc735\uc790\uc9c0\uc2dd5-7(A)"},"content":{"rendered":"

SBA\uc735\uc790\uc9c0\uc2dd5-7(A)<\/span><\/strong><\/p>\n

7 (a) \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 :<\/span><\/strong>
\n7 (a) \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc740 \uc2e0\uaddc \ubc0f \uae30\uc874 \uc911\uc18c\uae30\uc5c5\uc774<\/span><\/strong>
\n\uc77c\ubc18 \ub300\ucd9c \ucc44\ub110\uc744 \ud1b5\ud574 \uae30\uc5c5 \ub300\ucd9c\uc744\ubc1b\uc744 \uc790\uaca9\uc774 \uc5c6\uc744 \ub54c \uc790\uae08 \uc870\ub2ec. SBA<\/span><\/strong>
\n\uadf8 \uc790\uccb4\uac00 \ub300\ucd9c\uc744\ud558\uc9c0 \uc54a\uace0 \uc624\ud788\ub824 \ub300\ucd9c\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/span><\/strong>
\n\uac1c\uc778 \ub300\ucd9c \uae30\uad00 (\ub300\ubd80\ubd84 \ud06c\uace0 \uc791\uc740 \uc740\ud589)\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc2e0\uc6a9 \uc870\ud569 \ubc0f \uae30\ud0c0<\/span><\/strong>
\n\uae08\uc735 \uae30\uad00<\/span><\/strong>
\nSBA\ub294 \ucd5c\ub300 $ 150,000\uc758 \ub300\ucd9c\uc5d0 \ub300\ud574 \ucd5c\ub300 85 %, \uae30\ud0c0 \ubaa8\ub4e0 \ub300\ucd9c\uc5d0 \ub300\ud574 \ucd5c\ub300 75 %\ub97c \ubcf4\uc7a5 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/strong>
\n\ubcf5\uad6c \ubc95\uacfc \uc911\uc18c\uae30\uc5c5 \uc77c\uc790\ub9ac \ubc95\uc740 \uc77c\uc2dc\uc801\uc73c\ub85c \ucd5c\ub300 90 %\uae4c\uc9c0 \uc99d\uac00\ub97c \ud5c8\uc6a9\ud588\uc2b5\ub2c8\ub2e4. SBA\ub294<\/span><\/strong>
\n\ucd5c\ub300 5 \ubc31\ub9cc \ub2ec\ub7ec\uc758 \ub300\ucd9c\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. 7 (a) \ub300\ucd9c\uc740 \uadfc\ub85c\ub97c \ud3ec\ud568\ud55c \ub300\ubd80\ubd84\uc758 \uc0ac\uc5c5 \ube44\uc6a9\uc5d0 \uc0ac\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/strong>
\n\uc790\ubcf8; \uc7ac\uace0, \uacf5\uae09\ud488 \ub610\ub294 \uc6d0\uc790\uc7ac \uad6c\ub9e4; \uadf8\ub9ac\uace0 \uc0ac\uc5c5 \uc810\uc720\uc758 \uad6c\ub9e4<\/span><\/strong>
\n\ubd80\ub3d9\uc0b0.<\/span><\/strong><\/p>\n

SBA 7a<\/span><\/strong>
\n\uf0b4 $ 150,000 \uc774\uc0c1 \ucd5c\ub300 $ 5,000,000 \ub300\ucd9c\uc5d0 \ub300\ud55c 75 % \ubcf4\uc99d<\/span><\/strong>
\n\uf0b4 $ 150,000 \uc774\ud558 \ub300\ucd9c\uc5d0 \ub300\ud55c 85 % \ubcf4\uc99d<\/span><\/strong>
\n\uf0b4 $ 350,000 \ucd08\uacfc<\/span><\/strong>
\n\uf0b4 \uac1c\uc778 \uc18c\uc720 \ubd80\ub3d9\uc0b0\uc744 \ub2f4\ubcf4\ub85c<\/span><\/strong>
\n\ub300\ucd9c\uc774 \uc644\uc804\ud788 \ud655\ubcf4 \ub41c \ubc94\uc704<\/span><\/strong>
\n\uf0b4 $ 350,000 \uc774\ud558 :<\/span><\/strong>
\n\uf0b4 \ud544\uc694\ud55c \uac1c\uc778 \uc790\uc0b0\uc5d0 \uad00\ud55c \ub300\ucd9c \uc815\ucc45\uc744 \ub530\ub974\uc2ed\uc2dc\uc624.<\/span><\/strong>
\n\ub2f4\ubcf4, \uccad\uc0b0 LTV \ub4f1<\/span><\/strong><\/p>\n

 <\/p>\n

\uc804\ubb38\ud654 \ub41c 7 (a) \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 :<\/span><\/strong>
\nSBA Express Loans\ub97c \ud1b5\ud574 \ub300\ucd9c \uae30\uad00\uc740 \ub300\ucd9c \uae30\uad00\uc774 \uc2e0\uc6a9 \ubc0f \uc801\uaca9\uc131 \uacb0\uc815\uc744 \ub0b4 \ub9ac\ub3c4\ub85d \uc704\uc784\ud568\uc73c\ub85c\uc368 \ub300\ucd9c \uae30\uad00\uc774 36 \uc2dc\uac04 \uc774\ub0b4\uc5d0 \ub300\ucd9c\uc790\uc5d0\uac8c \ub2f5\ubcc0\uc744 \uc81c\uacf5 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. SBA\ub294 \ub300\ucd9c\uae08\uc758 50 %\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4. SBA Express \ud504\ub85c\uadf8\ub7a8\uc5d0 \uac00\uc785\ud558\ub824\ub294 SBA \ub300\ucd9c \uae30\uad00\uc740 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc131\uacfc \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uace0 SBA \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \uc218\uc6a9 \uac00\ub2a5\ud55c \uc9c0\uc2dd\uc744 \uc785\uc99d\ud574\uc57c\ud569\ub2c8\ub2e4. \ud504\ub85c\uadf8\ub7a8\uc5d0 \ucc38\uc5ec\ud558\uae30\ub97c \uc6d0\ud558\ub294 \ud2b9\uc815 \uc9c0\uc5ed\uc758 \ub2e4\ub978 \ub300\ucd9c \uae30\uad00\uc740 $ 50,000 \uc774\ud558\uc758 \ud569\ub9ac\uc801\uc778 \uc218\uc758 \uc0c1\uc5c5 \ub300\ucd9c\uc744 \uc2dc\uc791\ud574\uc57c\ud569\ub2c8\ub2e4.<\/span><\/strong>
\n\ud328\ud2b8\ub9ac\uc5b4\ud2b8 \uc775\uc2a4\ud504\ub808\uc2a4 \ub300\ucd9c\uc740 \uc7ac\ud5a5 \uad70\uc778 \ubc0f \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\ub97c \uc124\ub9bd\ud558\uac70\ub098 \ud655\uc7a5\ud558\ub294 \uc608\ube44\uad70 \uad6c\uc131\uc6d0 \ubc0f \uad70\uc778\uc758 \ubc30\uc6b0\uc790\ub97c \ud3ec\ud568\ud558\uc5ec \uad70\uc778 \ucee4\ubba4\ub2c8\ud2f0\uc758 \ub2e4\ub978 \uad6c\uc131\uc6d0\uc5d0\uac8c \uc81c\uacf5\ub429\ub2c8\ub2e4. \ub300\ucd9c\uc740 \ucd5c\ub300 $ 500,000\uae4c\uc9c0 \uac00\ub2a5\ud569\ub2c8\ub2e4. SBA\ub294 $ 150,000 \ubbf8\ub9cc\uc758 \ub300\ucd9c\uc758 85 %\uc640 $ 150,000 \uc774\uc0c1\uc758 \ub300\ucd9c\uc758 75 %\ub97c \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/span><\/strong>
\nDealer Floor Plan Program\uc740 \ucd5c\ub300 5 \ubc31\ub9cc \ub2ec\ub7ec\uc758 \ud3c9\uba74\ub3c4 \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\ub294 \ud30c\uc77c\ub7ff \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4. \uc774 \ud504\ub85c\uadf8\ub7a8\uc740 \uc790\ub3d9\ucc28, RV, \ubcf4\ud2b8 \ubc0f \uae30\ud0c0 \uc18c\uc720\uad8c\uc774\uc788\ub294 \uc778\ubca4\ud1a0\ub9ac\ub97c \ud310\ub9e4\ud558\ub294 \uc911\uc18c\uae30\uc5c5 \uc18c\uc720\uc790\ub97c \ub300\uc0c1\uc73c\ub85c\ud569\ub2c8\ub2e4. DFP \ud30c\uc77c\ub7ff<\/span><\/strong>
\nSmall Business Jobs Act\uc5d0 \uc758\ud574 \uc2b9\uc778 \ub41c \ud504\ub85c\uadf8\ub7a8\uc740 2011 \ub144 2 \uc6d4\uc5d0 \ub2e4\uc2dc \uc2dc\uc791\ub418\uc5b4 2013 \ub144 9 \uc6d4\uae4c\uc9c0 \uc720\ud6a8\ud569\ub2c8\ub2e4.<\/span><\/strong>
\nSmall Loan Advantage \ubc0f Community Advantage\uc640 \uac19\uc740 Advantage Loan \ud504\ub85c\uadf8\ub7a8\uc740 \ucd5c\ub300 $ 250,000\uae4c\uc9c0 SBA 7 (a) \ub300\ucd9c\uc5d0 \ub300\ud55c \uac04\uc18c\ud654 \ub41c \uc2e0\uccad \uc808\ucc28\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. Small Loan Advantage\ub294 \uae30\uc874\uc758 \ub354 \ud070 PLP (Preferred Lenders Program) SBA \ub300\ucd9c \uae30\uad00\uc774 \uc800\uc18c\ub4dd\uce35 \ub300\ucd9c\uc744 \uc7a5\ub824\ud558\ub3c4\ub85d \uad6c\uc131\ub41c \ud504\ub85c\uadf8\ub7a8\uc73c\ub85c, \uc885\uc885 \uc11c\ube44\uc2a4\uac00 \ubd80\uc871\ud55c \uc2dc\uc7a5\uc758 \uae30\uc5c5\uc5d0 \ud61c\ud0dd\uc744\uc90d\ub2c8\ub2e4. Community Advantage\ub294 \uc774\uc804\uc5d0 SBA \ub300\ucd9c\uc744 \uc81c\uacf5 \ud560 \uc218 \uc5c6\uc5c8\ub358 \ubbf8\uc158 \uc911\uc2ec \uae08\uc735 \uae30\uad00\uc744 \ub300\uc0c1\uc73c\ub85c \uc18c\uc678\ub41c \ucee4\ubba4\ub2c8\ud2f0\uc5d0 \ub3c4\ub2ec\ud558\ub294 SBA 7 (a) \ub300\ucd9c\uc790\uc758 \uc218\ub97c \ub298\ub9ac\uae30\uc704\ud55c \ud30c\uc77c\ub7ff \uc774\ub2c8\uc154\ud2f0\ube0c\uc785\ub2c8\ub2e4.<\/span><\/strong><\/p>\n

 <\/p>\n

\uc704\uc784 \ub41c 7 (a) \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 :<\/span><\/strong>
\n\ub610\ud55c SBA\ub294 \ucc28\uc6a9\uc778\uc5d0\uac8c \ub354 \ube60\ub978 \ucc98\ub9ac\ub97c \uc81c\uacf5\ud558\ub294 \uc219\ub828 \ub41c 7 (a) \ub300\ucd9c \uae30\uad00\uc744\uc704\ud55c \ud504\ub85c\uadf8\ub7a8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. SBA\ub294 \uc704\uc784 \ub41c \ub300\ucd9c \uae30\uad00\uc774 \uc2e0\uc6a9\ub3c4\ub97c \uacb0\uc815\ud558\uace0 1 \ucc28 \uc801\uaca9\uc131\uc744 \uacb0\uc815\ud558\ub3c4\ub85d \uc2b9\uc778\ud569\ub2c8\ub2e4.<\/span><\/strong>
\n\ub354 \ube60\ub978 \ucc98\ub9ac \uc2dc\uac04\uc744 \uc0dd\uc131\ud569\ub2c8\ub2e4. \uadf8\ub7f0 \ub2e4\uc74c \ud329\uc2a4 \ub610\ub294 SBA\uc758 \uc804\uc790 \uc2e0\uccad \ud504\ub85c\uc138\uc2a4\ub97c \ud1b5\ud574 \uc804\uc790 \ubc29\uc2dd\uc73c\ub85c \ub300\ucd9c\uc744 \uc81c\ucd9c\ud558\ubbc0\ub85c SBA\ub294 \uc801\uc740 \uc218\ub85c \ub354 \ub9ce\uc740 \ub300\ucd9c\uc744 \ubcf4\uc7a5 \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/strong>
\n\uc9c1\uc6d0.<\/span><\/strong>
\n\ud2b9\ud788, PLP (Preferred Lenders Program)\ub97c \ud1b5\ud574 SBA\ub294 \ub300\ucd9c \uc2b9\uc778, \ud3d0\uc1c4 \ubc0f \ub300\ubd80\ubd84\uc758 \uc11c\ube44\uc2a4 \ubc0f \uccad\uc0b0 \uad8c\ud55c, \uc120\ud0dd\ud55c \ub300\ucd9c \uae30\uad00\uc5d0 \ub300\ud55c \ucc45\uc784\uc744 “\uc704\uc784”\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. SBA\ub294<\/span><\/strong>
\n\uac1c\ubcc4 \ub300\ucd9c \uc2e0\uccad\uc11c\ub97c \uac80\ud1a0\ud558\uba74 \ub300\ucd9c\uc790\ub294 \uba70\uce60 \uc548\uc5d0 \uc790\uae08\uc744\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 “\uc704\uc784 \ub41c”\uad8c\ud55c\uc740 \ub300\ucd9c \uae30\uad00\uc758 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc131\uacfc \uac80\ud1a0\uc5d0 \ub530\ub77c 2 \ub144\ub9c8\ub2e4 \uac31\uc2e0\ub429\ub2c8\ub2e4.<\/span><\/strong><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

SBA\uc735\uc790\uc9c0\uc2dd5-7(A) 7 (a) \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 : 7 (a) \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8\uc740 \uc2e0\uaddc \ubc0f \uae30\uc874 \uc911\uc18c\uae30\uc5c5\uc774 \uc77c\ubc18 \ub300\ucd9c \ucc44\ub110\uc744 \ud1b5\ud574 \uae30\uc5c5 \ub300\ucd9c\uc744\ubc1b\uc744 \uc790\uaca9\uc774 \uc5c6\uc744 \ub54c \uc790\uae08 \uc870\ub2ec. SBA \uadf8 \uc790\uccb4\uac00 \ub300\ucd9c\uc744\ud558\uc9c0 \uc54a\uace0 \uc624\ud788\ub824 \ub300\ucd9c\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4. \uac1c\uc778 \ub300\ucd9c \uae30\uad00 (\ub300\ubd80\ubd84 \ud06c\uace0 \uc791\uc740 \uc740\ud589)\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc2e0\uc6a9 \uc870\ud569 \ubc0f \uae30\ud0c0 \uae08\uc735 \uae30\uad00 SBA\ub294 \ucd5c\ub300 $ 150,000\uc758 \ub300\ucd9c\uc5d0 \ub300\ud574 […]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[15],"tags":[],"class_list":["post-1559","post","type-post","status-publish","format-standard","hentry","category-sba-study"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/comments?post=1559"}],"version-history":[{"count":2,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1559\/revisions"}],"predecessor-version":[{"id":1576,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/1559\/revisions\/1576"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=1559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=1559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=1559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}