{"id":3562,"date":"2023-11-09T09:25:04","date_gmt":"2023-11-09T17:25:04","guid":{"rendered":"https:\/\/usezloan.com\/?p=3562"},"modified":"2023-11-10T08:55:22","modified_gmt":"2023-11-10T16:55:22","slug":"c3562","status":"publish","type":"post","link":"https:\/\/usezloan.com\/index.php\/2023\/11\/09\/c3562\/","title":{"rendered":"SBA \uc735\uc790"},"content":{"rendered":"<p><strong><span style=\"font-size: 14pt;\">SBA 7(A)<\/span><\/strong><\/p>\n<p><strong>\ubcf4\ud1b5 \ube44\uc9c0\ub2c8\uc2a4 \ub860\uc774\ub77c\uace0\ub3c4 \ubd88\ub9ac\ub294 7(a) \ub860\uc740 \ubbf8\uad6d \uc5f0\ubc29 \uc815\ubd80 \uc0b0\ud558 \uc911\uc18c\uae30\uc5c5\uccad\uc5d0\uc11c \uc9c1\uc811 \ub300\ucd9c\ud574 \uc8fc\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc5f0\ubc29\uc815\ubd80\uac00 SBA \uc735\uc790\ub97c \ub300\uc2e0\ud558\ub294 \uc740\ud589\uc5d0\uac8c 75%~85% \ubcf4\uc99d\ud574 \uc8fc\uae30 \ub584\ubb38\uc5d0 \uc740\ud589\uc5d0\uc11c\ub294 \uc0c1\ud658 \uc9c0\uae09 \uc704\ud5d8\ub960\uc774 \ub0ae\uc73c\ubbc0\ub85c \uae34 \uc0c1\ud658\uae30\uac04\ub3d9\uc548 \ub0ae\uc740 \uc774\uc790\ub85c 7(a)\uc735\uc790\ub97c \ub0b4\uc5b4 \ub4dc\ub9bd\ub2c8\ub2e4.<\/strong><br \/>\n<strong>\uc735\uc790 \ucd5c\ub300 \uae08\uc561\uc740 5\ubc31\ub9cc\ubd88\uae4c\uc9c0\uc774\uba70 \uc0ac\uc5c5\uccb4 \ubc0f \uc0ac\uc5c5\uccb4 \uad00\ub828\ub418\ub294 \ubd80\ub3d9\uc0b0 \uad6c\ub9e4, \uc0ac\uc5c5\uccb4 \uc6b4\uc601 \uc790\uae08, \uc7a5\ube44 \ubc0f \uc99d\ucd95 \ube44\uc6a9\ub4f1\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4, \uc0c1\ud658 \uae30\uac04\uc740 10\ub144\uc5d0\uc11c 25\ub144\uae4c\uc9c0\uc774\uace0, \uc774\uc790\ub294 \ubcc0\ub3d9\uc774\uc790\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Term Loan<\/strong><\/li>\n<li><strong>Working capital<\/strong><\/li>\n<li><strong>Furniture and fixtures<\/strong><\/li>\n<li><strong>Machinery and equipment<\/strong><\/li>\n<li><strong>Purchase of land and building including construction and renovations<\/strong><\/li>\n<li><strong>Business Acquisition<\/strong><\/li>\n<li><strong>Refinancing of existing debt<\/strong><\/li>\n<\/ul>\n<p><strong>\ucd5c\uace0 5\ubc31\ub9cc\ubd88\uae4c\uc9c0\uac00\ub2a5<\/strong><\/p>\n<p><strong>\uac8c\ub7f0\ud2f0 \ubd80\ubd84\uc740 75%\uc5d0\uc11c 85%\uae4c\uc9c0 \ud569\ub2c8\ub2e4.<\/strong><\/p>\n<p><strong>\uac8c\ub7f0\ud2f0 Fee<\/strong><\/p>\n<ul>\n<li><strong>2.0%: &lt; $150,000<\/strong><\/li>\n<li><strong>3.0%: $150,000~700,000<\/strong><\/li>\n<li><strong>3.5%: &gt; $700,000<\/strong><\/li>\n<li><strong>3.75%: If guaranty portion is over $1,000,000<\/strong><\/li>\n<\/ul>\n<p><strong>\ub9cc\uae30<\/strong><\/p>\n<ul>\n<li><strong>Working Capital : 10yrs<\/strong><\/li>\n<li><strong>Equipment : Useful life<\/strong><\/li>\n<li><strong>Property : 25yrs<\/strong><\/li>\n<li><strong>Mixed Use : Weighted Avg<\/strong><\/li>\n<\/ul>\n<p><strong><span style=\"font-size: 14pt;\">SBA Express\uc735\uc790<\/span><\/strong><\/p>\n<ul>\n<li><strong>Term Loan- 30\ub9cc\ubd88<\/strong><\/li>\n<li><strong>Revolving line of credit-LOC &#8211; 7yrs including term out period<\/strong><\/li>\n<\/ul>\n<p><strong><span style=\"font-size: 14pt;\">504\uc735\uc790<\/span><\/strong><\/p>\n<p><strong>\ubcf4\ud1b5 \ubd80\ub3d9\uc0b0 \ub860\uc774\ub77c\uace0 \ubd88\ub9ac\ub294 504\ub860\uc740 \ubbf8\uad6d \uc5f0\ubc29 \uc815\ubd80 \uc0b0\ud558 \uc911\uc18c \uae30\uc5c5\uccad\uc5d0\uc11c \uc9c0\uc5ed \uacbd\uc81c \ubc1c\uc804\uc744 \uc704\ud574\uc11c \ubd80\ub3d9\uc0b0 \uad6c\uc785 \ubc0f \uc911\uc7a5\ube44 \uad6c\uc785\uc2dc CDC (Certified Development Company)\ub97c \ud1b5\ud574 \ucd1d \uad6c\ub9e4\ube44\uc6a9\uc75840%\uc5d0 \ud574\ub2f9\ud558\ub294 SBA\ub860\uc744 \ud574 \uc8fc\uace0 50%\ub294 \uc740\ud589\uc5d0\uc11c \uc735\uc790\ub97c \ubc1b\uc2b5\ub2c8\ub2e4, \ubcf4\ud1b5 \uc0c1\uc5c5\uc6a9 \ubaa8\uac8c\uc9c0\ub294 40%-60% \uc774\uc0c1 \ub2e4\uc6b4\ud398\uc774\uc640 \uc0c1\ud658 \uae30\uac04\ub3c4 10\ub144 \uc815\ub3c4 \uc774\uc9c0\ub9cc, SBA 504\ub294 10% \ub2e4\uc6b4\ud398\uc774\ub85c 20\ub144-25\ub144 \uc0c1\ud658 \uc774\uc5b4\uc11c \ube44\uc988\ub2c8\uc2a4\ud558\uc2dc\uba74\uc11c \ubd80\ub3d9\uc0b0 \ub610\ub294 \uc911\uc7a5\ube44\ub97c \uad6c\ub9e4\ud560 \uc218 \uc788\ub294 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4, \uc774\uc790\ub294 \uace0\uc815\uc774\uc790\uc728\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Term Loan<\/strong><\/li>\n<li><strong>Structure<\/strong>\n<ul>\n<li><strong>10%: Down for Borrower<\/strong><\/li>\n<li><strong>40%: Financing from CDC<\/strong><\/li>\n<li><strong>50%: Financing from Bank<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><strong>15% down for New or Special<\/strong><\/li>\n<li><strong>Acquisition, Construction, Renovation of Building<\/strong><\/li>\n<li><strong>Machinery &amp; Equipment Purchase<\/strong><\/li>\n<\/ul>\n<p><strong>\ucd5c\uace0 5\ubc31\ub9cc\ubd88\uae4c\uc9c0 \uac00\ub2a5<\/strong><\/p>\n<p><strong>\uac8c\ub7f0\ud2f0 100%<\/strong><\/p>\n<p><strong>\uac8c\ub7f0\ud2f0 Fee<\/strong><\/p>\n<ul>\n<li><strong>3.15%<\/strong><\/li>\n<li><strong>Guaranteed fee: 0.5%<\/strong><\/li>\n<li><strong>CDC Processing fee: 1.5%<\/strong><\/li>\n<li><strong>Funding \/ Underwriting:1.15%<\/strong><\/li>\n<\/ul>\n<p><strong>\ub9cc\uae30<\/strong><\/p>\n<ul>\n<li><strong>Property: 20yrs<\/strong><\/li>\n<li><strong>Equipment: 10yrs<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>SBA 7(A) \ubcf4\ud1b5 \ube44\uc9c0\ub2c8\uc2a4 \ub860\uc774\ub77c\uace0\ub3c4 \ubd88\ub9ac\ub294 7(a) \ub860\uc740 \ubbf8\uad6d \uc5f0\ubc29 \uc815\ubd80 \uc0b0\ud558 \uc911\uc18c\uae30\uc5c5\uccad\uc5d0\uc11c \uc9c1\uc811 \ub300\ucd9c\ud574 \uc8fc\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc5f0\ubc29\uc815\ubd80\uac00 SBA \uc735\uc790\ub97c \ub300\uc2e0\ud558\ub294 \uc740\ud589\uc5d0\uac8c 75%~85% \ubcf4\uc99d\ud574 \uc8fc\uae30 \ub584\ubb38\uc5d0 \uc740\ud589\uc5d0\uc11c\ub294 \uc0c1\ud658 \uc9c0\uae09 \uc704\ud5d8\ub960\uc774 \ub0ae\uc73c\ubbc0\ub85c \uae34 \uc0c1\ud658\uae30\uac04\ub3d9\uc548 \ub0ae\uc740 \uc774\uc790\ub85c 7(a)\uc735\uc790\ub97c \ub0b4\uc5b4 \ub4dc\ub9bd\ub2c8\ub2e4. \uc735\uc790 \ucd5c\ub300 \uae08\uc561\uc740 5\ubc31\ub9cc\ubd88\uae4c\uc9c0\uc774\uba70 \uc0ac\uc5c5\uccb4 \ubc0f \uc0ac\uc5c5\uccb4 \uad00\ub828\ub418\ub294 \ubd80\ub3d9\uc0b0 \uad6c\ub9e4, \uc0ac\uc5c5\uccb4 \uc6b4\uc601 \uc790\uae08, \uc7a5\ube44 \ubc0f \uc99d\ucd95 [&hellip;]<\/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":[20],"tags":[],"class_list":["post-3562","post","type-post","status-publish","format-standard","hentry","category-comm"],"_links":{"self":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/3562","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=3562"}],"version-history":[{"count":5,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/3562\/revisions"}],"predecessor-version":[{"id":3567,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/posts\/3562\/revisions\/3567"}],"wp:attachment":[{"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/media?parent=3562"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/categories?post=3562"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usezloan.com\/index.php\/wp-json\/wp\/v2\/tags?post=3562"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}