{"id":11747,"date":"2019-12-12T13:55:41","date_gmt":"2019-12-12T21:55:41","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=11747"},"modified":"2022-04-21T13:22:07","modified_gmt":"2022-04-21T20:22:07","slug":"how-do-i-get-an-sba-504-loan","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/how-do-i-get-an-sba-504-loan\/","title":{"rendered":"\u00bfC\u00f3mo obtengo un pr\u00e9stamo 504 de la SBA para mi peque\u00f1a empresa?"},"content":{"rendered":"
\"how<\/figure>\r\n\r\n\r\n\r\n

Si es propietario de una peque\u00f1a empresa en busca de financiamiento, es probable que haya o\u00eddo hablar de los pr\u00e9stamos de la SBA. Los pr\u00e9stamos de la SBA son excelentes para las peque\u00f1as y medianas empresas que desean expandirse pero tambi\u00e9n necesitan conservar capital. El pr\u00e9stamo 504 de la SBA<\/a> en particular, es un pr\u00e9stamo que permite a los due\u00f1os de negocios comprar, renovar, construir o refinanciar bienes ra\u00edces comerciales con un pago inicial bajo y una tasa de inter\u00e9s fija por debajo del mercado a 25 a\u00f1os. Permiten a los due\u00f1os de negocios estabilizar sus costos de ocupaci\u00f3n a largo plazo, mientras conservan capital para su negocio. Los pr\u00e9stamos SBA 504 cubren equipo, mobiliario, costos de cierre y costos indirectos tambi\u00e9n.<\/p>\r\n\r\n\r\n\r\n

Si es propietario de una peque\u00f1a empresa y esto le parece atractivo, la siguiente pregunta que escuchamos es: \u00bfC\u00f3mo obtengo un pr\u00e9stamo 504 de la SBA?<\/em><\/strong><\/p>\r\n\r\n\r\n\r\n

https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2019\/12\/Anna-How-To-Apply-to-SBA-504.mp4<\/a><\/video><\/div><\/p>\r\n

Lo interesante (y tambi\u00e9n lo \u00daTIL) es que no puede simplemente solicitar un pr\u00e9stamo 504 por su cuenta. Los pr\u00e9stamos SBA 504 son administrados por empresas de desarrollo certificadas<\/a>, como TMC Financing. Las empresas de desarrollo certificadas son organizaciones sin fines de lucro reguladas por la SBA creadas para ayudar a las peque\u00f1as empresas durante todo el proceso de pr\u00e9stamo, desde la solicitud hasta el cierre y el servicio. Hay cerca de 200 CDC activos<\/a> en los EE. UU. y todos ofrecen el mismo producto de pr\u00e9stamo con las mismas tarifas.<\/p>\r\n\r\n\r\n\r\n

Entonces, si est\u00e1 interesado en un pr\u00e9stamo SBA 504, el primer paso es conectarse con un CDC en su \u00e1rea local. Dado que todos los CDC ofrecen el mismo producto de pr\u00e9stamo, es importante investigar qu\u00e9 diferencia a los CDC de otros CDC. La cantidad de a\u00f1os de experiencia, la cantidad anual de pr\u00e9stamos aprobados y los testimonios de los clientes son factores que pueden ayudarlo a elegir el mejor CDC. Establecer una relaci\u00f3n con el CDC adecuado es esencial, ya que ser\u00e1 su defensor durante la vigencia del pr\u00e9stamo.<\/p>\r\n\r\n\r\n\r\n

Una vez que haya identificado una empresa de desarrollo certificada, el siguiente paso es obtener la precalificaci\u00f3n. Su CDC puede precalificarlo sin costo con tres documentos:<\/p>\r\n\r\n\r\n\r\n

    \r\n
  1. Tres a\u00f1os de declaraciones de impuestos personales y comerciales<\/li>\r\n
  2. Un estado financiero personal<\/li>\r\n
  3. Finanzas provisionales<\/a><\/li>\r\n<\/ol>\r\n\r\n\r\n\r\n

    \u00a1Obtener la precalificaci\u00f3n para un pr\u00e9stamo 504 puede ser de gran ayuda!<\/a> Le mostrar\u00e1 su poder adquisitivo y qu\u00e9 pagos mensuales puede esperar. Puede ponerlo por delante de otras ofertas al realizar una oferta por un edificio. Le ayuda a organizarse y acelerar\u00e1 enormemente el proceso si decide continuar con la solicitud de pr\u00e9stamo.<\/p>\r\n\r\n\r\n\r\n

    Otro gran aspecto del pr\u00e9stamo 504 es que la mayor\u00eda de las empresas privadas con fines de lucro califican. La elegibilidad del programa se basa en el valor neto de la empresa y la ganancia neta despu\u00e9s de impuestos en promedio durante los \u00faltimos dos a\u00f1os. Las empresas deben ocupar al menos el 51 por ciento del edificio y el 60 por ciento del edificio con nueva construcci\u00f3n.<\/p>\r\n\r\n\r\n\r\n

    Si es propietario de una peque\u00f1a empresa en California o Nevada y desea obtener m\u00e1s informaci\u00f3n sobre el Programa 504 de la SBA, comun\u00edquese con un experto en pr\u00e9stamos de TMC Financing<\/a>. Si se encuentra fuera de California o Nevada y necesita ayuda para encontrar una empresa de desarrollo local certificada, tambi\u00e9n estaremos encantados de ayudarle.<\/p>\r\n\r\n\r\n\r\n

    TMC Financing es el CDC n\u00famero uno en la naci\u00f3n. En casi 40 a\u00f1os, TMC ha ayudado a m\u00e1s de 5,000 empresas a obtener financiamiento para proyectos por valor de m\u00e1s de $12 mil millones.<\/p>","protected":false},"excerpt":{"rendered":"

    SBA 504 loans are administered by certified development companies. Certified development companies are nonprofit organizations regulated by the SBA created to help small businesses obtain affordable financing to help them expand their business.<\/p>","protected":false},"author":12,"featured_media":11750,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,178],"tags":[387,492,493,344],"class_list":["post-11747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-sba-101","tag-504-loans","tag-cdc","tag-how-to-get-an-sba-504-loan","tag-sba-loans"],"acf":{"hide_blog_sidebar":false,"related_posts":false},"yoast_head":"\nHow do I get an SBA 504 Loan for my business? | TMC Financing<\/title>\n<meta name=\"description\" content=\"You can get an sba 504 loan through your local CDC, such as TMC Financing. 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