{"id":19674,"date":"2022-01-07T11:42:10","date_gmt":"2022-01-07T19:42:10","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?page_id=19674"},"modified":"2025-04-25T10:34:53","modified_gmt":"2025-04-25T17:34:53","slug":"refinance-commercial-mortgage-debt","status":"publish","type":"page","link":"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/refinance-commercial-mortgage-debt\/","title":{"rendered":"Programa de pr\u00e9stamo de refinanciamiento SBA 504"},"content":{"rendered":"<h2>Refinancie su pr\u00e9stamo inmobiliario y ahorre en sus costos mensuales de ocupaci\u00f3n<\/h2>\n<ul>\n<li><em>\u00bfEs due\u00f1o de un edificio comercial ocupado\/propietario y tiene un pago global pendiente?<\/em><\/li>\n<li><em>\u00bfQuiere reducir sus pagos mensuales y aumentar el flujo de efectivo?<\/em><\/li>\n<li><em>\u00bfNecesita acceso a dinero en efectivo?<\/em><\/li>\n<\/ul>\n<p>Si respondi\u00f3 afirmativamente a alguna de estas preguntas, el refinanciamiento con el Programa SBA 504 podr\u00eda ser la soluci\u00f3n a sus necesidades. El programa SBA 504 permite a los propietarios de negocios calificados refinanciar su pr\u00e9stamo existente a un pr\u00e9stamo SBA 504 m\u00e1s asequible y beneficioso.<\/p>\n<h4>Los due\u00f1os de negocios pueden <u>acceder a efectivo<\/u> atrapados en capital y usarlos para gastos comerciales.<\/h4>\n<h3>\u00bfQu\u00e9 es el programa de pr\u00e9stamo de refinanciamiento SBA 504?<\/h3>\n<p>Un pr\u00e9stamo SBA 504 es una financiaci\u00f3n respaldada por el gobierno que se puede utilizar para refinanciar deudas contra\u00eddas anteriormente para proyectos inmobiliarios comerciales y de activos fijos. El programa de pr\u00e9stamo viene con tres grandes ventajas.<\/p>\n\t<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/iDABuiRUdKU\" title=\"Reproductor de video de YouTube\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe>\n<h3>Ventajas del pr\u00e9stamo de refinanciamiento SBA 504 de TMC Financing<\/h3>\n<ul>\n<li><strong>Financiaci\u00f3n hasta 90%<\/strong> del valor tasado del inmueble. Para proyectos de retiro de efectivo, se encuentra disponible financiamiento de hasta 85%.<\/li>\n<li><strong>Retirar dinero<\/strong> hasta 20% del valor de la propiedad para necesidades de capital de trabajo\n<ul>\n<li>Pagar salarios, alquileres, servicios p\u00fablicos, inventario u otras obligaciones de la empresa con efectivo previamente atrapado en el patrimonio<\/li>\n<\/ul>\n<\/li>\n<li>Tasa de inter\u00e9s por debajo del mercado, actualmente, 3.01% <strong>fijo por 25 a\u00f1os<\/strong><\/li>\n<li>La capacidad de consolidar varios pr\u00e9stamos.<\/li>\n<li>El capital existente a menudo cumple con el requisito de pago inicial<\/li>\n<\/ul>\n<h3>Pautas de elegibilidad para el refinanciamiento de la SBA 504<\/h3>\n<ul>\n<li><strong>Casi cualquier propiedad ocupada por el propietario calificar\u00e1<\/strong>: m\u00ednimo 51% ocupado por el propietario y cumple con todas las dem\u00e1s pautas de elegibilidad de SBA 504 al momento de la solicitud<\/li>\n<li>Existing loan must be at least 12 months old\n<ul>\n<li>If the debt is younger than 12 months, it must be current for its full term &#8211; <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-regulation-updates-june-2025\/\" target=\"_blank\" rel=\"noopener\">effective June 1, 2025<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>75% of existing loan<\/strong> must have been used for SBA 504-eligible purposes<\/li>\n<li>Existing SBA 504 or 7(a) loans may be eligible but the original lender must be notified within 10 business days of submitting to SBA for approval<\/li>\n<li>Se pueden utilizar otros activos como garant\u00eda para llegar a 90% LTV<\/li>\n<li>Se puede usar hasta 20% del valor de tasaci\u00f3n para retirar efectivo para otros gastos comerciales<\/li>\n<li>La tasaci\u00f3n no se vence en la solicitud, pero ser\u00e1 necesaria para la financiaci\u00f3n.<\/li>\n<\/ul>\n<h3>Eligibility Flow Chart<\/h3>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2024\/05\/Refi-Flow-Chart.pdf\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2024\/05\/Refi-Flow-Chart-1024x874.png\" alt=\"\" width=\"1024\" height=\"874\" \/><\/a><\/p>\n<h3>\u00a1Conozca c\u00f3mo esta peque\u00f1a empresa trabaj\u00f3 con TMC Financing para refinanciar su deuda con un pr\u00e9stamo SBA 504!<\/h3>\n<p><iframe loading=\"lazy\" title=\"Reproductor de video de YouTube\" src=\"https:\/\/www.youtube.com\/embed\/AJVKhdmI63U\" width=\"100%\" height=\"450\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/p>\n\t\t\t\t\t\t<a href=\"https:\/\/www.tmcfinancing.com\/es\/calculator\/\">\n\t\t\t\t<p><strong>Calcular pagos<\/strong><\/p>\t\t\t<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-how-to-apply\/\">\n\t\t\t\t<p><strong>Obtenga la precalificaci\u00f3n hoy<br \/><\/strong><\/p>\t\t\t<\/a>\n\t\t\t\t\t\t<a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\">\n\t\t\t\t<p><strong>Encuentre un experto en pr\u00e9stamos<br \/><\/strong><\/p>\t\t\t<\/a>","protected":false},"excerpt":{"rendered":"<p>Refinancie su pr\u00e9stamo inmobiliario y ahorre en sus costos mensuales de ocupaci\u00f3n \u00bfEs propietario de un edificio comercial ocupado por el propietario y tiene un pago global pendiente? \u00bfQuieres reducir\u2026<\/p>","protected":false},"author":61,"featured_media":0,"parent":268,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page_templates\/template-modern-content-page.php","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"class_list":["post-19674","page","type-page","status-publish","hentry"],"acf":{"hero_fields":{"section_size":"small","label":"","center_hero_content":false},"contact_form_fields":{"title":"Comun\u00edquese con nuestros expertos en pr\u00e9stamos","form_snippet":"<div class=\"HUBSPOT__SITE__FORM button-rounded button-large button-primary\">\r\n                                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US","url":"\/contact\/","target":""}}],"cta_heading":"Learn more with our Insider's Guide","cta_description":"Download our Insider's Guide to Refinancing with the SBA 504 Program to learn more about the SBA 504 Refinance Program and to learn how it can <span class=\"THEME__underlined-text\">benefit you and your business.<\/span>\r\n","cta_form_or_button":"cta_form","cta_button":{"title":"EMPEZAR","url":"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2022\/01\/White-Paper-Refi-2022.pdf","target":""},"form_snippet":"<!--[if lte IE 8]>\r\n<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2-legacy.js\"><\/script>\r\n<![endif]-->\r\n<script charset=\"utf-8\" type=\"text\/javascript\" src=\"\/\/js.hsforms.net\/forms\/v2.js\"><\/script>\r\n<script>\r\n  hbspt.forms.create({\r\n\tregion: \"na1\",\r\n\tportalId: \"20350719\",\r\n\tformId: \"4c0ec8bb-34e1-4521-8000-02525ff3f841\",\r\n        onFormSubmit: function ($form) {\r\n\t\twindow.open('https:\/\/1vdp6b4nuhumm16z8q5ux10x-wpengine.netdna-ssl.com\/wp-content\/uploads\/2022\/01\/White-Paper-Refi-2022.pdf');\r\n\t}\r\n});\r\n<\/script>"},"refinance_stories_fields":{"turn_on":true,"heading":"Refinance Stories","description":"","stories":"handpick","recent_blog_posts":{"term_id":426,"name":"refinance","slug":"refinance","term_group":0,"term_taxonomy_id":426,"taxonomy":"post_tag","description":"","parent":0,"count":10,"filter":"raw"},"blog_posts":[{"post":{"ID":14504,"post_author":"12","post_date":"2020-06-16 06:52:07","post_date_gmt":"2020-06-16 13:52:07","post_content":"[vc_row][vc_column][vc_column_text]<img class=\"aligncenter wp-image-14505\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/06\/Oakland-Port-AdobeStock_191137242-300x200.jpeg\" alt=\"\" width=\"600\" height=\"400\" \/>\r\n\r\nMariner Square is the first marina in Alameda as you enter the Oakland\/Alameda Estuary. Not only is it a storage facility and a boat valet on the Bay, it is home to a small community of boaters in the Bay Area. These boaters trust Mariner Square to care for their boats as they were their own, and that is what Mariner Square does.\r\n\r\nWhen the owner of Mariner Square learned of the <a href=\"https:\/\/www.tmcfinancing.com\/sba-504-loans\/refinance-commercial-mortgage-debt\/\">SBA 504 Refinance Program<\/a> through his banker, <a href=\"https:\/\/www.linkedin.com\/in\/vicente-lopez-70951884\/\" target=\"_blank\" rel=\"noopener noreferrer\">Vicente Lopez<\/a> with First Bank, he realized it was an opportunity he could not pass up. Rates were at record lows and the opportunity for cash out would help his business thrive.\r\n\r\n\u201cThe SBA 504 Refinance Program provides an easy solution to save businesses thousands on their monthly occupancy costs and provides a fantastic opportunity to access cash trapped in equity,\u201d explains <a href=\"https:\/\/www.tmcfinancing.com\/about\/leadership\/kurt-chambliss-tmc\/\">Kurt Chambliss<\/a>, executive vice president of TMC Financing who facilitated the SBA loan. \u201cIt was a perfect solution for Mariner Square.\u201d\r\n\r\nWhen refinancing with an SBA 504 loan, business owners can obtain up to 20 percent of the appraised value of the property in cash out. The cash can be used on qualified business expenses, which include salaries, rent, utilities, inventory or other expenses of the business.\r\n\r\n\u201cThe cash out was one of the most appealing features of the program,\u201d states the owner of Mariner Square. \u201cI was able to cover inventory, utilities, payroll, and most importantly, just get some breathing room. I can look 10 years down the road and know I will still be comfortable. The cash will also help us expand.\r\n\r\n\u201cThe interest rate was also a huge attraction. We previously had a high, <a href=\"https:\/\/www.investopedia.com\/terms\/c\/compoundinterest.asp\" target=\"_blank\" rel=\"noopener noreferrer\">compound rate<\/a> and now we\u2019re fixed for 25 years at a really low rate! What a difference that makes.\u201d\r\n\r\n<strong>The SBA 504 Refinance Structure<\/strong>\r\n\r\nBusiness owners can refinance up to 90 percent of the property\u2019s appraised value, 85 percent if the business owner is getting cash out. The equity contribution from the business owner can be taken from the subject property, without any additional injection.\r\n\r\nThe 504 refinance loan is structured like the traditional 504 loan, consisting of three parts:\r\n<ul>\r\n \t<li>A 1st mortgage secured with a first lien from a conventional lender covering 50 percent of the project cost;<\/li>\r\n \t<li>A 2nd mortgage secured with a second lien from a CDC (<a href=\"https:\/\/www.tmcfinancing.com\/what-is-a-certified-development-company\/\">Certified Development Company<\/a>), such as TMC Financing covering up to 40 percent of the total cost; and<\/li>\r\n \t<li>A contribution of at least 10 percent equity from the small business borrower.<\/li>\r\n<\/ul>\r\n\u201cFor Mariner Square, the first and second mortgage were split 50\/50 between the 1<sup>st<\/sup> mortgage from First Bank and the 2<sup>nd<\/sup> mortgage from TMC,\u201d explains Chambliss. \u201cFirst Bank is in a comfortable position at 29% loan-to-value and Savio gained lower monthly payments, a clean balance sheet, and access to cash that was trapped in his real estate.\u201d\r\n\r\n\u201cThe process was seamless thanks to First Bank and TMC Financing,\u201d said the owner of Mariner Square. \u201cThey guided me every step of the way.\u201d\r\n\r\n<strong>SBA 504 Refinance Eligibility<\/strong>\r\n\r\nMost for-profit small-to-medium-sized businesses are eligible for SBA 504 Financing. To refinance with the SBA 504 loan, there are a few more things to consider:\r\n<ul>\r\n \t<li>The business must be at least two years old<\/li>\r\n \t<li>At least 85 percent of the original loan must have been used for a 504 eligible asset, such as owner-occupied real estate, land or equipment<\/li>\r\n<\/ul>\r\n<strong>Getting Started<\/strong>\r\n\r\nThere is no doubt that covid-19 will not be the one and only crisis that will shed light on the need for savings and liquid capital. The SBA 504 Refinance Program is a powerful tool and a fantastic opportunity to obtain cash and lower monthly payments.\r\n\r\nIf you have any questions about whether you can qualify for refinancing with an SBA loan, it is best to contact a Certified Development Company (CDC) like\u00a0<a href=\"https:\/\/www.tmcfinancing.com\/\/financing-special-purpose-properties\/\">TMC Financing<\/a>. A CDC is a nonprofit organization built to support economic development within its community through the SBA\u2019s 504 loan program. CDCs guide business owners through the entire loan process and can work through various scenarios with you.\r\n\r\n<strong>About TMC Financing<\/strong>\r\n\r\n<a href=\"https:\/\/www.tmcfinancing.com\/\/\">TMC Financing<\/a>\u00a0is the nation\u2019s No. 1 SBA 504 lender. TMC has provided about 10 billion in SBA 504 financing to nearly 6,000 businesses. If you are located in California or Nevada and are thinking about refinancing, their 504 loan experts can help. Regardless of where you are in the process\u2014they can guide you through the next steps.[\/vc_column_text][\/vc_column][\/vc_row]","post_title":"Alameda Marina Refinances with SBA 504 Loan to Access Cash and Lower Monthly Payments","post_excerpt":"<p>When the owner of Mariner Square learned of the SBA 504 Refinance Program, he realized it was an opportunity he could not pass up. Rates were at record lows and the opportunity for cash out would help his business thrive.<\/p>","post_status":"publish","comment_status":"closed","ping_status":"open","post_password":"","post_name":"alameda_marina_refinances","to_ping":"","pinged":"","post_modified":"2022-01-28 12:10:53","post_modified_gmt":"2022-01-28 20:10:53","post_content_filtered":"","post_parent":0,"guid":"https:\/\/www.tmcfinancing.com\/?p=14504","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"}},{"post":{"ID":12267,"post_author":"12","post_date":"2020-02-24 13:00:32","post_date_gmt":"2020-02-24 21:00:32","post_content":"<!-- wp:group -->\r\n<div class=\"wp-block-group\">\r\n<div class=\"wp-block-group__inner-container\"><!-- wp:paragraph -->\r\n<p>Founded in 1974 by the father and son team of Carl and Bob Bennitt, the Pace Group is a marketing strategy and execution provider for corporations in Los Angeles. They offer creative design, data management, digital and traditional print, digital marketing, and mailing services. The company was built on a dedication to providing clients with top notch, unbeatable service, which has led the company to strong, long lasting customer relationships.<\/p>\r\n<!-- \/wp:paragraph --><\/div>\r\n<\/div>\r\n<!-- \/wp:group -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><strong>SBA 504 Refinance Loan to Lower Monthly Costs and Save <\/strong><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>TMC Financing was first introduced to the current owner of the Pace Group,Bob Bennitt, in 2012. Bennitt had a steep interest rate on his commercial debt and was looking for relief.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>TMC arranged a $3,300,000 <a href=\"https:\/\/www.tmcfinancing.com\/lenders\/sba-504-refinance\/\">refinance <\/a>project that ended up saving Bennitt about $6,000 a month.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>\u201cOur initial refinance with the 504 loan helped us tremendously,\u201d said Bennitt. \u201cWe saved thousands each month and we were able to pay off some of our equipment.\u201d<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><strong>SBA 504 Refinance Loan to Free Up Trapped Equity<\/strong><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Seven years later, Bennitt connected with TMC again to take advantage of the SBA 504 refinance program, but this time it wasn\u2019t to lower his monthly costs; it was to free up trapped equity and get cash out. The print\/marketing industry has evolved significantly throughout the years, requiring companies to continuously adapt. In order to succeed in the evolving environment and strengthen The Pace Group\u2019s foothold, Bennitt would like to acquire another firm and wanted the financial wherewithal to do so, if the opportunity presents itself.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><a href=\"https:\/\/www.tmcfinancing.com\/contact\/sba-southern-california\/\">Jennifer Davis<\/a>, TMC Financing\u2019s senior vice president facilitated a $5,900,000 refinancing project that enabled Bennitt to receive $1,200,000 <a href=\"https:\/\/www.tmcfinancing.com\/cash-out-refinance-rates\/\">cash out<\/a>.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>\u201cOur industry has changed immensely the past 45 years,\u201d said Bennitt. \u201cIndustry revenue is decreasing but so are the organizations that offer the services we do. I returned to TMC for refinancing this time around because I had a lot of capital trapped in real estate. I wanted cash on hand to be able to seize opportunity that may come our way in 2020.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:quote -->\r\n<blockquote class=\"wp-block-quote\">\r\n<p>\u201cI want to be in this business. I made a commitment and I plan on making every effort I can to stay strong in the industry.\u201d<\/p>\r\n<p>&nbsp;<\/p>\r\n<\/blockquote>\r\n<!-- \/wp:quote -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Davis is not surprised that Bennitt is so strategic and smart with his business plans. \u201cThe Pace Group\u2019s focus is on marketing strategy for other corporations, of course Bennitt has a strategy of his own to ensure the longevity of his company!\u201d<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>\u201cThe process was smooth without any hiccups,\u201d states Bennitt. \u201cThe opportunity to refinance with the 504 Program is definitely one to take advantage of.\u201d<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><strong>About TMC Financing<\/strong><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>Founded in 1981, TMC Financing is the nation\u2019s No. 1 provider of SBA 504 financing, which allows small-business owners to finance or <a href=\"https:\/\/www.tmcfinancing.com\/lenders\/sba-504-refinance\/\">refinance <\/a>commercial real estate and other fixed assets with long-term, below-market, fixed interest rates. SBA 504 loans can be used to finance the total project cost, which can include the purchase price, construction\/renovations, equipment, soft costs and closing costs.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>TMC Financing has secured financing for projects worth more than $12 billion across California and Nevada. More than 5,000 businesses have benefited from this financing, resulting in the creation of an estimated 60,000 jobs.<\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:paragraph -->\r\n<p><a href=\"https:\/\/www.prweb.com\/releases\/tmc_financing_helps_los_angeles_marketing_firm_maximize_potential_with_sba_504_refinance_program\/prweb16934455.htm\">Read the full press release.<\/a><\/p>\r\n<!-- \/wp:paragraph -->\r\n\r\n<!-- wp:separator --><hr class=\"wp-block-separator\" \/><!-- \/wp:separator -->\r\n\r\n<!-- wp:paragraph -->\r\n<p>&nbsp;<\/p>\r\n<!-- \/wp:paragraph -->","post_title":"Los Angeles Marketing Firm Maximizes Use of SBA 504 Refinance Program","post_excerpt":"<p>The Pace Group, an LA based marketing firm, refinances with multiple 504 loans to save capital and excess cash trapped in equity.\u00a0<\/p>","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"pace-group-maximizes-of-sba-504-refinance-program","to_ping":"","pinged":"","post_modified":"2021-05-10 20:30:50","post_modified_gmt":"2021-05-11 03:30:50","post_content_filtered":"","post_parent":0,"guid":"https:\/\/www.tmcfinancing.com\/?p=12267","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"}},{"post":{"ID":19146,"post_author":"29","post_date":"2021-09-08 13:42:41","post_date_gmt":"2021-09-08 20:42:41","post_content":"https:\/\/www.youtube.com\/watch?v=AJVKhdmI63U\r\n\r\n<a href=\"https:\/\/printingspecialists.com\/\" target=\"_blank\" rel=\"noopener\">Printing Specialists LLC<\/a>, has been locally owned and operated for over 30 years.\u00a0 Owner, Marcus Newton, is proud to offer high-quality printed materials, promotional products, display graphics and copy services all under one roof.\r\n\r\nNewton and his staff are dedicated to help their clients stand out from their competitors by providing expert advice and planning for their printing needs.\r\n\r\n\u201cWe are a locally owned business who serve local customers in the Tempe community,\u201d states Newton.\u00a0 \u201cWe love what we do and in order to continue to grow \u2013 we knew we had to, not only improve sales, but also find ways to cut costs.\u201d\r\n\r\nFortunately, Newton partnered with\u00a0<a href=\"https:\/\/www.tmcfinancing.com\/\/\" target=\"_blank\" rel=\"noopener\">TMC Financing<\/a>\u00a0and took advantage of the\u00a0<a href=\"https:\/\/www.tmcfinancing.com\/sba-504-loans\/refinance-commercial-mortgage-debt\/\" target=\"_blank\" rel=\"noopener\">SBA 504 Refinance Program<\/a>.\u00a0Refinancing their existing debt with an SBA 504 loan\u00a0not only\u00a0lowered\u00a0Newton\u2019s\u00a0occupancy costs by\u00a0approximately\u00a0$1,000 per month,\u00a0but also significantly improved cash flow.\r\n\r\n<strong>Why Marcus Newton Chose SBA 504 Refinance Program<\/strong>\r\n\r\nThe SBA 504 Refinance Program allowed Newton to\u00a0<span data-contrast=\"auto\">refinance his high-interest conventional loan with a more affordable and advantageous SBA 504 loan. <\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span>\r\n\r\n[caption id=\"attachment_19149\" align=\"alignleft\" width=\"149\"]<a href=\"https:\/\/www.tmcfinancing.com\/contact\/geoffrey-mcgivern\/\"><img class=\"wp-image-19149\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2021\/09\/Geoff-200x300.jpg\" alt=\"\" width=\"149\" height=\"224\" \/><\/a> Geoff McGivern, TMC Financing[\/caption]\r\n\r\n<a href=\"https:\/\/www.tmcfinancing.com\/contact\/geoffrey-mcgivern\/\">Geoff McGivern<\/a>, senior vice president of TMC Financing explains, \u201cThe SBA 504 Refinance Program was the perfect solution for Printing Specialists.\u00a0 It allowed Marcus to save on his monthly occupancy costs and allowed the business to access cash trapped in equity.\u201d\r\n\r\nWhen refinancing with an SBA 504 loan, business owners can obtain up to 20 percent of the appraised value of the property in cash. The cash can be used on qualified business expenses, which include salaries, rent, utilities, inventory or other expenses of the business.\r\n\r\n\u201cGeoff McGivern and TMC Financing really made the murky waters clear,\u201d Newton recalls. \u201cGeoff will walk you through the SBA 504 loan process and explain what is coming next before it happens, so you feel prepared.\u201d\r\n\r\nIf you are interested in learning more about the SBA 504 Refinance Program, please contact <a href=\"https:\/\/www.tmcfinancing.com\/\/\">TMC Financing.<\/a>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n[slideshow_deploy id='19158']\r\n\r\n&nbsp;\r\n\r\n<strong>More\u00a0<span data-contrast=\"none\">About TMC Financing<\/span><\/strong><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\r\n\r\n<span data-contrast=\"none\">Founded in 1981, TMC Financing is the nation\u2019s No. 1 provider of SBA 504 financing in the Western Region, which allows small-business owners to finance or\u202f<\/span><a href=\"https:\/\/www.tmcfinancing.com\/lenders\/sba-504-refinance\/\" target=\"_blank\" rel=\"noopener\">refinance<span data-contrast=\"none\">\u202f<\/span><\/a>commercial real estate and other fixed assets with long-term, below-market, fixed interest rates. SBA 504 loans can be used to finance the total project cost, which can include the purchase price, construction\/renovations, equipment, soft costs and closing costs.<span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span>\r\n\r\n<span data-contrast=\"none\">TMC Financing has secured financing for projects worth more than $10 billion across Arizona, California and Nevada. More than 6,000 businesses have benefited from this financing, resulting in the creation of an estimated 60,000 jobs.\u00a0<\/span>\r\n\r\n&nbsp;","post_title":"TMC Financing Helps Printing Specialists Refinance to Improve Cash Flow and Access Cash","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"printing-specialists","to_ping":"","pinged":"","post_modified":"2022-12-15 14:03:46","post_modified_gmt":"2022-12-15 22:03:46","post_content_filtered":"","post_parent":0,"guid":"https:\/\/www.tmcfinancing.com\/?p=19146","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"}},{"post":{"ID":19196,"post_author":"29","post_date":"2021-09-15 08:42:52","post_date_gmt":"2021-09-15 15:42:52","post_content":"<a href=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2021\/09\/Installation-division-enclosed-trailer-.jpg\"><img class=\"size-full wp-image-19198 aligncenter\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2021\/09\/Installation-division-enclosed-trailer-.jpg\" alt=\"\" width=\"640\" height=\"480\" \/><\/a>\r\n\r\nIn the industry since 1995, Brian Connors opened <a href=\"http:\/\/www.peaklandscapeinc.com\/\" target=\"_blank\" rel=\"noopener\">Peak Landscape<\/a> with a vision to provide the highest level of service and customer care to homes and businesses throughout Truckee &amp; North Lake Tahoe, CA. Now, Peak is a full-service landscaping company that aims for excellence, with more than 40 employees in the field in any given season.\r\n\r\nLicensed in tree work and fencing, Connors strives to ensure that his company can meet all their client\u2019s outdoor service needs. Peak has recently expanded its services to include tree removal, limbing, treatment &amp; stump grinding.\r\n\r\nThe landscaping industry is highly seasonal and notoriously challenging, especially when it comes to finding the right staff and machinery. As a result, shoring up costs and eliminating uncertainty are keys to long-term success.\r\n\r\nTo optimize productivity and maintain long-term stability, Connors bought a commercial property for Peak Landscape with a 10-year owner finance \"Balloon\" loan. The acquisition ensured that operation was centralized, which led to faster turn-around times and heightened customer satisfaction.\r\n\r\nHowever, there was still a nagging financial issue in the back of Connors\u2019 mind - the oncoming <a href=\"https:\/\/www.tmcfinancing.com\/what-happens-when-a-balloon-payment-comes-due\/\" target=\"_blank\" rel=\"noopener\">balloon payment<\/a>. Connors still had years of payments left on this loan, but he knew that significant expense was looming.\r\n\r\n\"It was always in the back of my mind,\u201d Connors explained. \u201cI constantly had my eye out for an alternative financing option. \u00a0But often, I would get so wrapped up in work, the last thing I could do is deal with the situation.\u201d\r\n\r\nAs the date drew nearer, he reached out to his bank, and they recommended he connect with <a href=\"https:\/\/www.tmcfinancing.com\/\/\" target=\"_blank\" rel=\"noopener\">TMC Financing (TMC)<\/a> and take advantage of the Small Business Administration\u2019s (SBA) 504 Refinance Program.\r\n\r\n<strong>SBA 504 Refinance Program Positioned Peak Landscape to Grow with Favorable Rates<\/strong>\r\n\r\nThe <a href=\"https:\/\/www.tmcfinancing.com\/sba-504-loans\/refinance-commercial-mortgage-debt\/\" target=\"_blank\" rel=\"noopener\">SBA 504 Refinance Program<\/a> is a unique financing option that allows small business owners to refinance fixed assets, such as commercial real estate or equipment, with only 10% down and a below-market interest rate, fixed for 25 years.\r\n\r\nNot only can businesses lower their monthly payments, but owners even have the option to leverage their building\u2019s equity and take <strong>cash out<\/strong> for eligible business expenses, such as salaries, rent, utilities or inventory. This is a fantastic way to consolidate and restructure existing debt while also accessing equity in your building and <em>there are no balloon payments. <\/em>\r\n\r\n[caption id=\"attachment_772\" align=\"alignleft\" width=\"142\"]<a href=\"https:\/\/www.tmcfinancing.com\/contact\/business-development-sba-financing-sacramento-ca\/\" target=\"_blank\" rel=\"noopener\"><img class=\"wp-image-772\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2015\/08\/Jim-Acevedo-300x300.jpg\" alt=\"Jim Azevedo\" width=\"142\" height=\"142\" \/><\/a> Jim Azevedo, SVP, Business Development[\/caption]\r\n\r\n<a href=\"https:\/\/www.tmcfinancing.com\/contact\/business-development-sba-financing-sacramento-ca\/\" target=\"_blank\" rel=\"noopener\">Jim Azevedo<\/a>, TMC\u2019s senior vice president who worked with Conners, recommended refinancing with a 504 loan because the terms are unbeatable and almost any owner-occupied property will qualify.\r\n\r\n\"Working with Jim and TMC was great,\u201d said Connors. \u201cEverything was smooth, communication throughout the entire process was clear. It was just like a team \u2013 whenever paperwork was required, Jim and his staff were on it. It was seamless.\u201d\r\n\r\nAzevedo helped Connors navigate the SBA 504 refinancing process, providing a no-stress path to more favorable real estate financing.\r\n\r\n<strong>\"Get Creative\u201d with Financing Options Including SBA 504, Says Brian Connors of Peak Landscape<\/strong>\r\n\r\nWhat would Brian Connors say to other business owners in the landscaping industry?\r\n\r\n\u201cBe willing to pivot and get creative. I probably could have stayed with my original loan, it seemed easy because it was owner-financed. But it was worth taking the extra time to find TMC Financing and the SBA 504 program. Things can fall into place quickly once you take the first step towards financial security.\u201d\r\n\r\nTo learn more about SBA 504 financing or get started with SBA 504, contact <a href=\"https:\/\/www.tmcfinancing.com\/\/\" target=\"_blank\" rel=\"noopener\">TMC Financing<\/a>.\r\n\r\n[slideshow_deploy id='19204']\r\n\r\n<strong>About TMC Financing<\/strong>\r\n\r\n<a href=\"https:\/\/www.tmcfinancing.com\/\/\" target=\"_blank\" rel=\"noopener\">TMC Financing<\/a>\u00a0is the no. 1 provider of SBA 504 commercial real estate loans in the Western Region of the U.S., helping small businesses expand throughout California, Nevada, and Arizona.\r\n\r\nFounded in 1981, TMC is the number one certified development company in the West and has funded projects worth more than $10 billion across California, Nevada, and Arizona. About 6,000 businesses have benefited from this financing, resulting in the creation of an estimated 60,000 jobs.","post_title":"Truckee Landscaping Firm Gains Long-term Stability with SBA 504 Refinancing from TMC Financing","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"peak-landscape","to_ping":"","pinged":"","post_modified":"2023-05-03 13:26:19","post_modified_gmt":"2023-05-03 20:26:19","post_content_filtered":"","post_parent":0,"guid":"https:\/\/www.tmcfinancing.com\/?p=19196","menu_order":0,"post_type":"post","post_mime_type":"","comment_count":"0","filter":"raw"}}],"lender_info_heading":"Looking For Lender Info?","lender_info_link":{"title":"HAGA CLIC AQU\u00cd","url":"\/lenders\/","target":""}},"misc_fields":{"render_contents":false,"force_blue_headings_in_article_content":true}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v27.4) - 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