{"id":10694,"date":"2019-03-29T13:19:30","date_gmt":"2019-03-29T20:19:30","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=10694"},"modified":"2022-07-14T15:57:32","modified_gmt":"2022-07-14T22:57:32","slug":"is-it-hard-to-get-sba-loan","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/is-it-hard-to-get-sba-loan\/","title":{"rendered":"\u00bfEs dif\u00edcil obtener un pr\u00e9stamo de la SBA?"},"content":{"rendered":"

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SBA\u00a0(Small Business Administration)\u00a0financing\u00a0is\u00a0often considered the\u00a0gold standard of small business\u00a0loans\u00a0because the terms\u00a0are\u00a0typically\u00a0more attractive than\u00a0other\u00a0financing options.\u00a0\u00a0SBA loans tend to carry the lowest interest rates\u00a0and the\u00a0longest repayment terms, all while\u00a0offering substantial\u00a0loan\u00a0amounts\u00a0that\u00a0small business owners may\u00a0not\u00a0otherwise\u00a0qualify for.\u00a0If\u00a0SBA loans\u00a0come with such advantageous terms,\u00a0many\u00a0small business owners\u00a0wonder –\u00a0is it hard to\u00a0get\u00a0an SBA\u00a0loan?\u00a0<\/a><\/p>\n

The short answer\u00a0–\u00a0No, it is not hard to get an SBA loan! Most businesses are eligible and qualifying is easier than you might think!\u00a0<\/p>\n

El pr\u00e9stamo 504 de la SBA es\u00a0espec\u00edficamente\u00a0<\/i>dise\u00f1ado para ayudar a las peque\u00f1as empresas a expandirse mediante la compra de activos fijos como bienes ra\u00edces y\u00a0equipo<\/a>.\u00a0It can also be used to finance construction and renovations.\u00a0Most for-profit businesses in the United States are eligible for an SBA 504 loan. There are a few stipulations, but generally, the 504 loan can accommodate a unique array of business needs. \u00a0<\/p>\n

Bottom line\u00a0– do not rule your business out.\u00a0<\/p>\n

Before we examine the details of how to\u00a0prequalify\u00a0for an SBA 504 loan, let’s take a closer look at how the loan is administered.\u00a0<\/p>\n

Como es\u00a0<\/b>Pr\u00e9stamo 504 de la SBA<\/b>\u00a0Emitido<\/b>?<\/b>\u00a0<\/p>\n

The\u00a0504\u00a0loan\u00a0has a unique structure, in that it is a partnership between a non-profit\u00a0Empresa de desarrollo certificada<\/a>\u00a0(CDC), como\u00a0Financiamiento TMC<\/a>, which administers the SBA portion of the loan, and a conventional lender such as a bank or credit union.\u00a0\u00a0A CDC’s mission is to help match you with the loan product that will best support your business’s growth, gain long-term success and create a positive impact on your community. TMC Financing will guide business owners through the entire loan process and act as the owner’s advocate throughout the life of the loan.\u00a0<\/p>\n

In a typical\u00a0SBA 504 loan\u00a0scenario,\u00a0the\u00a0SBA\u00a0would provide\u00a040% of the total project costs, a participating lender\u00a0would cover\u00a0up to 50% of the total\u00a0project costs, and the borrower\u00a0would\u00a0inject\u00a0a\u00a010%\u00a0down payment.\u00a0\u00a0<\/p>\n

This 50-40-10\u00a0structure is the most common loan breakdown, but in some cases, such as if the property being purchased is a single-use\u00a0propiedad<\/a>,\u00a0the borrower may be required to pay a 15% down payment.\u00a0\u00a0Yet in either case,\u00a0this is a win-win situation.\u00a0A\u00a0small business owner\u00a0taking out an SBA loan ensures\u00a0a\u00a0low down\u00a0payment, the\u00a0best interest rates on the market,\u00a0and\u00a0a repayment period that lasts\u00a0up to 25 years, which eases the burden of monthly payments.\u00a0<\/p>\n

Requisitos de elegibilidad de SBA 504<\/b>\u00a0<\/p>\nNegocio con fines de lucro\u00a0\n

The most basic 504 loan requirement is that you must have a U.S.-based, for-profit business. Non-profit businesses, as well as the following industries, are deemed ineligible:\u00a0<\/p>\n