{"id":12182,"date":"2020-02-13T17:09:24","date_gmt":"2020-02-14T01:09:24","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=12182"},"modified":"2021-05-10T20:30:50","modified_gmt":"2021-05-11T03:30:50","slug":"lease-vs-own-decision-in-todays-market-small-business-big-decisions","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/lease-vs-own-decision-in-todays-market-small-business-big-decisions\/","title":{"rendered":"Arrendamiento frente a propiedad en el mercado actual: peque\u00f1as empresas y grandes decisiones"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"901\" height=\"601\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/02\/tmc-financing-office-space-1.jpg\" alt=\"\" class=\"wp-image-12184\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/02\/tmc-financing-office-space-1.jpg 901w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/02\/tmc-financing-office-space-1-300x200.jpg 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/02\/tmc-financing-office-space-1-768x512.jpg 768w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/02\/tmc-financing-office-space-1-270x180.jpg 270w\" sizes=\"auto, (max-width: 901px) 100vw, 901px\" \/><\/figure>\n\n\n<p><span data-contrast=\"none\">Una com\u00fan&nbsp;<\/span><span data-contrast=\"none\">dilema<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">entre los propietarios de peque\u00f1as empresas es si comprar o arrendar una propiedad comercial<\/span><span data-contrast=\"none\">&nbsp;en el mercado actual<\/span><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\"> Esta decisi\u00f3n <\/span><span data-contrast=\"none\">California<\/span><span data-contrast=\"none\">norte<\/span><span data-contrast=\"none\">&nbsp;ser<\/span><span data-contrast=\"none\">&nbsp;especialmente dif\u00edcil en<\/span><span data-contrast=\"none\">&nbsp;mercado inmobiliario competitivo<\/span><span data-contrast=\"none\">s, como esos<\/span><span data-contrast=\"none\">&nbsp;de<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">California.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">T<\/span><span data-contrast=\"none\">wo mercados de California<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">&nbsp;San Francisco y Los \u00c1ngeles<\/span><span data-contrast=\"none\">,&nbsp;<\/span><span data-contrast=\"none\">clasificado&nbsp;<\/span><span data-contrast=\"none\">entre la&nbsp;<\/span><a href=\"https:\/\/www.connect.media\/san-francisco-dominates-global-price-growth-rankings-los-angeles-no-4\/\"><span data-contrast=\"none\">los cuatro primeros<\/span><span data-contrast=\"none\">&nbsp;ciudades de m\u00e1s r\u00e1pido crecimiento<\/span><span data-contrast=\"none\">&nbsp;globalmente<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">&nbsp;San&nbsp;<\/span><span data-contrast=\"none\">Francisco lider\u00f3 la clasificaci\u00f3n por un amplio margen con los precios de las propiedades comerciales hasta 14.6% a\u00f1o tras a\u00f1o en el segundo trimestre de 2019.<\/span><span data-contrast=\"none\">&nbsp;&nbsp;<\/span><span data-contrast=\"none\">Con&nbsp;<\/span><span data-contrast=\"none\">aumento de las tasas de arrendamiento<\/span><span data-contrast=\"none\">, los due\u00f1os de negocios son&nbsp;<\/span><span data-contrast=\"none\">a merced de su casero<\/span><span data-contrast=\"none\">&nbsp;y corren el riesgo de quedar fuera de su \u00e1rea<\/span><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">Eso<\/span><span data-contrast=\"none\">&nbsp;no es de extra\u00f1ar&nbsp;<\/span><span data-contrast=\"none\">ellos<\/span><span data-contrast=\"none\">&nbsp;no est\u00e1 seguro de w<\/span><span data-contrast=\"none\">ya sea para arrendar o poseer su&nbsp;<\/span><span data-contrast=\"none\">edificio<\/span><span data-contrast=\"none\">.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">La compra de<\/span><span data-contrast=\"none\">&nbsp;comercial<\/span><span data-contrast=\"none\">&nbsp;bienes ra\u00edces&nbsp;<\/span><span data-contrast=\"none\">puede sonar desalentador&nbsp;<\/span><span data-contrast=\"none\">al propietario de una peque\u00f1a empresa&nbsp;<\/span><span data-contrast=\"none\">sin embargo, t<\/span><span data-contrast=\"none\">aqu\u00ed hay muchos beneficios de poseer una propiedad<\/span><span data-contrast=\"none\">&nbsp;eso deber\u00eda ser&nbsp;<\/span><span data-contrast=\"none\">cuidadosamente pesado<\/span><span data-contrast=\"none\">.&nbsp;<\/span><span data-contrast=\"none\">En primer lugar, los costos de ocupaci\u00f3n ser\u00e1n estables, lo que ayudar\u00e1 a presupuestar y&nbsp;<\/span><span data-contrast=\"none\">plan para el futuro<\/span><span data-contrast=\"none\">. Se gana la tranquilidad<\/span><span data-contrast=\"none\">&nbsp;de la estabilidad y el conocimiento que&nbsp;<\/span><span data-contrast=\"none\">la&nbsp;<\/span><span data-contrast=\"none\">la ubicaci\u00f3n de operaci\u00f3n es&nbsp;<\/span><span data-contrast=\"none\">pose\u00eddo&nbsp;<\/span><span data-contrast=\"none\">y&nbsp;<\/span><span data-contrast=\"none\">el desplazamiento nunca ser\u00e1 un problema<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">Comprando&nbsp;<\/span><span data-contrast=\"none\">comercial<\/span><span data-contrast=\"none\">&nbsp;verdadero&nbsp;<\/span><span data-contrast=\"none\">inmuebles<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">propietarios de peque\u00f1as empresas<\/span><span data-contrast=\"none\">&nbsp;ya no pagar\u00e1<\/span><span data-contrast=\"none\">&nbsp;alguien m\u00e1s<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">cada mes&nbsp;<\/span><span data-contrast=\"none\">&#8211;<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">ellos<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">wil<\/span><span data-contrast=\"none\">l<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">pagar&nbsp;<\/span><span data-contrast=\"none\">ellos mismos<\/span><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">&nbsp;&nbsp;<\/span><span data-contrast=\"none\">No hay ninguna raz\u00f3n por la que los due\u00f1os de negocios deban continuar enriqueciendo a su arrendador cuando podr\u00edan estar emitiendo su cheque de alquiler cada mes.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">Adem\u00e1s, ser propietario de una propiedad comercial puede<\/span><span data-contrast=\"none\">&nbsp;ayuda<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">due\u00f1os de negocios&nbsp;<\/span><span data-contrast=\"none\">establecer<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">puesto de ingresos estables<\/span><span data-contrast=\"none\">&#8211;<\/span><span data-contrast=\"none\">Jubilaci\u00f3n.&nbsp;<\/span><span data-contrast=\"none\">La equidad que proviene de la compra de bienes ra\u00edces puede ser&nbsp;<\/span><span data-contrast=\"none\">us\u00f3<\/span><span data-contrast=\"none\">&nbsp;para financiar una mayor expansi\u00f3n de un&nbsp;<\/span><span data-contrast=\"none\">negocio o<\/span><span data-contrast=\"none\">&nbsp;se puede utilizar para un <a href=\"https:\/\/www.tmcfinancing.com\/es\/tax-benefits-to-buying-a-building-for-your-business\/\">estrategia de jubilaci\u00f3n<\/a>.&nbsp;&nbsp;<\/span><span data-contrast=\"none\">Al jubilarse<\/span><span data-contrast=\"none\">, propietarios<\/span><span data-contrast=\"none\">&nbsp;podr\u00eda alquilar su<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">construirlo o venderlo<\/span><span data-contrast=\"none\">,&nbsp;<\/span><span data-contrast=\"none\">para preservar<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">un considerable<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">nido de huevos<\/span><span data-contrast=\"none\">&nbsp;para el futuro<\/span><span data-contrast=\"none\">.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">A pesar de lo alentadores que pueden ser los beneficios de ser propietario<\/span><span data-contrast=\"none\">,&nbsp;<\/span><span data-contrast=\"none\">el hecho es que la mayor\u00eda de los propietarios de peque\u00f1as empresas<\/span><span data-contrast=\"none\">&nbsp;no&nbsp;<\/span><span data-contrast=\"none\">piensan que pueden permitirse comprar bienes ra\u00edces.<\/span><span data-contrast=\"none\">&nbsp;Pero si lo hacen bien, la compra ES alcanzable.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">\u00bfC\u00f3mo?&nbsp;<\/span><span data-contrast=\"none\">La respuesta es simple<\/span><span data-contrast=\"none\">&nbsp;- B<\/span><span data-contrast=\"none\">uy su edificio a trav\u00e9s del Programa de Pr\u00e9stamos 504 de la SBA<\/span><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><a href=\"https:\/\/www.sba.gov\/\"><span data-contrast=\"none\">La Administraci\u00f3n de Peque\u00f1as Empresas (SBA) <\/span><\/a><span data-contrast=\"none\">504&nbsp;<\/span><span data-contrast=\"none\">L<\/span><span data-contrast=\"none\">oan<\/span><span data-contrast=\"none\">PAG<\/span><span data-contrast=\"none\">es un programa accesible y<\/span><i><span data-contrast=\"none\">asequible<\/span><\/i><span data-contrast=\"none\">soluci\u00f3n de financiamiento para ayudar a las empresas a evitar los costos fluctuantes de ocupaci\u00f3n en medio de&nbsp;<\/span><span data-contrast=\"none\">hoy<\/span><span data-contrast=\"none\">&nbsp;mercado en alza. El pr\u00e9stamo 504 permite a las peque\u00f1as y medianas empresas<\/span><span data-contrast=\"none\">es a<\/span><span data-contrast=\"none\">&nbsp;financiar la compra<\/span><span data-contrast=\"none\">,&nbsp;<\/span><span data-contrast=\"none\">construcci\u00f3n<\/span><span data-contrast=\"none\">&nbsp;o refinanciar<\/span><span data-contrast=\"none\">&nbsp;de inmuebles comerciales con<\/span><i><span data-contrast=\"none\">tipos de inter\u00e9s fijos a largo plazo por debajo del mercado.<\/span><\/i><i><span data-contrast=\"none\">&nbsp;&nbsp;<\/span><\/i><span data-contrast=\"none\">Los due\u00f1os de negocios que compren su edificio a trav\u00e9s del programa SBA 504 obtendr\u00e1n&nbsp;<\/span><span data-contrast=\"none\">a largo plazo&nbsp;<\/span><span data-contrast=\"none\">estabilidad y tranquilidad sabiendo que<\/span><span data-contrast=\"none\">a<\/span><span data-contrast=\"none\">&nbsp;los posibles aumentos de alquiler no los expulsar\u00e1n del \u00e1rea.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">Muchos propietarios de peque\u00f1as empresas eligen la SBA 504&nbsp;<\/span><span data-contrast=\"none\">financiaci\u00f3n inmobiliaria<\/span><span data-contrast=\"none\">&nbsp;porque t<\/span><span data-contrast=\"none\">\u00e9l&nbsp;<\/span><span data-contrast=\"none\">beneficios&nbsp;<\/span><span data-contrast=\"none\">son mas<\/span><span data-contrast=\"none\">&nbsp;atractivo de lo que ofrece la financiaci\u00f3n convencional.&nbsp;<\/span><span data-contrast=\"none\">Algunos de esos&nbsp;<\/span><span data-contrast=\"none\">Beneficios incluidos:&nbsp;<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><b><span data-contrast=\"none\">Pago inicial bajo<\/span><\/b><b><span data-contrast=\"none\">.<\/span><\/b><b><span data-contrast=\"none\">&nbsp;<\/span><\/b><span data-contrast=\"none\">La&nbsp;<\/span><span data-contrast=\"none\">Bajo abajo<\/span><span data-contrast=\"none\">&nbsp;el pago es uno de los m\u00e1s grandes&nbsp;<\/span><span data-contrast=\"none\">ventajas<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">del Programa de Pr\u00e9stamos 504.<\/span><span data-contrast=\"none\">&nbsp;a diferencia de<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">C<\/span><span data-contrast=\"none\">pr\u00e9stamos convencionales<\/span><span data-contrast=\"none\">&nbsp;que<\/span><span data-contrast=\"none\">&nbsp;a menudo requieren un 20-40 por ciento de pago inicial&nbsp;<\/span><span data-contrast=\"none\">pago,&nbsp;<\/span><span data-contrast=\"none\">t<\/span><span data-contrast=\"none\">\u00e9l<\/span><span data-contrast=\"none\">&nbsp;El pr\u00e9stamo 504 requiere solo 10%.&nbsp;<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">En algunos casos<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">&nbsp;a<\/span><span data-contrast=\"none\">&nbsp;pago inicial del 15 por ciento<\/span><span data-contrast=\"none\">&nbsp;se requiere<\/span><span data-contrast=\"none\">, como cuando el pr\u00e9stamo se utiliza para comprar una propiedad de uso especial o si el negocio ha estado en funcionamiento por menos de dos a\u00f1os.&nbsp;<\/span><span data-contrast=\"none\">sin emabargo<\/span><span data-contrast=\"none\">, esto sigue siendo significativamente menor que el financiamiento convencional.<\/span><span data-contrast=\"none\">&nbsp;&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">T<\/span><span data-contrast=\"none\">\u00e9l&nbsp;<\/span><span data-contrast=\"none\">bajo&nbsp;<\/span><span data-contrast=\"none\">abajo<\/span><span data-contrast=\"none\">&nbsp;pago<\/span><span data-contrast=\"none\">&nbsp;es&nbsp;<\/span><span data-contrast=\"none\">vital<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">porque<\/span><span data-contrast=\"none\">&nbsp;permite a los propietarios de empresas conservar el capital de trabajo y centrarse en el crecimiento empresarial<\/span><span data-contrast=\"none\">, en lugar de llenar el<\/span><span data-contrast=\"none\">ir<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">propietario<\/span><span data-contrast=\"none\">&nbsp;bolsillos&nbsp;<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><b><span data-contrast=\"none\">Tasa de inter\u00e9s FIJA por debajo del mercado<\/span><\/b><b><span data-contrast=\"none\">.&nbsp;<\/span><\/b><span data-contrast=\"none\">&nbsp;La&nbsp;<\/span><span data-contrast=\"none\">Programa de pr\u00e9stamos SBA 504<\/span><span data-contrast=\"none\">&#039;s<\/span><span data-contrast=\"none\">&nbsp;Tasas de inter\u00e9s<\/span><span data-contrast=\"none\">&nbsp;para los bienes ra\u00edces ocupados por el propietario cay\u00f3 a un<\/span><span data-contrast=\"none\">&nbsp;m\u00ednimo hist\u00f3rico<\/span><span data-contrast=\"none\">&nbsp;<\/span><a href=\"https:\/\/www.prnewswire.com\/news-releases\/first-time-ever-sba-504-loan-programs-20-year-fixed-rate-dips-below-4-for-borrowers-a-milestone-low-rate-in-programs-33-year-history-300865537.html\"><span data-contrast=\"none\">el verano pasado<\/span><\/a><span data-contrast=\"none\">. Las tasas fueron las m\u00e1s bajas en los 33 a\u00f1os histor<\/span><span data-contrast=\"none\">y<\/span><span data-contrast=\"none\">&nbsp;de El&nbsp;<\/span><span data-contrast=\"none\">pag<\/span><span data-contrast=\"none\">rogram.<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">La&nbsp;<\/span><span data-contrast=\"none\">504 fijo<\/span><span data-contrast=\"none\">&nbsp;Velocidad<\/span><span data-contrast=\"none\">&nbsp;es<\/span><span data-contrast=\"none\">&nbsp;no se ve afectado por la inestabilidad del mercado. La tasa es consistentemente baja y estable, estando por debajo del 6 por ciento durante los \u00faltimos 10 a\u00f1os.&nbsp;<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">Hoy, esa tasa es&nbsp;<\/span><span data-contrast=\"none\">3.46<\/span><span data-contrast=\"none\">&nbsp;porcentaje fijo durante 25 a\u00f1os.<\/span><span data-contrast=\"none\">&nbsp; Para&nbsp;<\/span><span data-contrast=\"none\">due\u00f1os de negocios<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">que est\u00e1n cansados de luchar&nbsp;<\/span><span data-contrast=\"none\">continuo<\/span><span data-contrast=\"none\">&nbsp;el alquiler aumenta<\/span><span data-contrast=\"none\">, ahora es el momento de asegurar estas tarifas bajas.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n<p><b><span data-contrast=\"none\">A largo plazo<\/span><\/b><b><span data-contrast=\"none\">.<\/span><\/b><b><span data-contrast=\"none\">&nbsp;<\/span><\/b><span data-contrast=\"none\">La tasa 504 tiene opciones de pr\u00e9stamo a 10, 20 y 25 a\u00f1os. Se amortiza completamente durante la vigencia del pr\u00e9stamo, lo que significa que no hay pago global al final del plazo.&nbsp;<\/span><span data-contrast=\"none\">La&nbsp;<\/span><span data-contrast=\"none\">a largo plazo<\/span><span data-contrast=\"none\">&nbsp;tarifas&nbsp;<\/span><span data-contrast=\"none\">proporcionar a los propietarios de peque\u00f1as empresas pagos mensuales asequibles y les permite controlar sus gastos generales&nbsp;<\/span><span data-contrast=\"none\">bien en el futuro<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"auto\">Si es propietario de una peque\u00f1a empresa y est\u00e1 considerando<\/span><span data-contrast=\"auto\">&nbsp;<\/span><span data-contrast=\"auto\">adquisitivo<\/span><span data-contrast=\"auto\">&nbsp;bienes ra\u00edces comerciales<\/span><span data-contrast=\"auto\">, es importante recordar que&nbsp;<\/span><span data-contrast=\"auto\">esta inversi\u00f3n no<\/span><span data-contrast=\"auto\">&nbsp;<\/span><span data-contrast=\"auto\">solo crear<\/span><span data-contrast=\"auto\">&nbsp;riqueza para usted y su negocio<\/span><span data-contrast=\"auto\">, pero<\/span><span data-contrast=\"auto\">&nbsp;adem\u00e1s<\/span><span data-contrast=\"auto\">&nbsp;s<\/span><span data-contrast=\"auto\">trenza tu<\/span><span data-contrast=\"auto\">&nbsp;pu\u00f1alada financiera<\/span><span data-contrast=\"auto\">ilidad en el<\/span><span data-contrast=\"auto\">&nbsp;futuro.<\/span><span data-contrast=\"auto\">&nbsp;En \u00faltima instancia, por<\/span><span data-contrast=\"auto\">&nbsp;tomando la decisi\u00f3n de<\/span><span data-contrast=\"auto\">&nbsp;compra<\/span><span data-contrast=\"auto\">mi&nbsp;<\/span><span data-contrast=\"auto\">su edificio a trav\u00e9s del programa SBA 504<\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">&nbsp;usted est\u00e1<\/span><span data-contrast=\"auto\">&nbsp;proteger su negocio contra los vol\u00e1tiles mercados de alquiler<\/span><span data-contrast=\"auto\">&nbsp;y configurar su negocio para&nbsp;<\/span><span data-contrast=\"auto\">\u00e9xito<\/span><span data-contrast=\"auto\">.&nbsp;<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><b><span data-contrast=\"none\">El programa 504 y el apoyo de una empresa de desarrollo certificada<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">El pr\u00e9stamo SBA 504 se administra a trav\u00e9s de prestamistas sin fines de lucro basados en la misi\u00f3n, tambi\u00e9n conocidos como Compa\u00f1\u00edas de Desarrollo Certificadas (CDC), como TMC Financing. La misi\u00f3n de un CDC es ayudarlo a emparejarlo con el producto de pr\u00e9stamo que mejor respaldar\u00e1 su crecimiento, obtendr\u00e1 el \u00e9xito a largo plazo y crear\u00e1 un impacto positivo en su comunidad. Los CDC gu\u00edan a los propietarios de negocios a trav\u00e9s de todo el proceso de pr\u00e9stamo y act\u00faan como defensores del propietario durante la vigencia del pr\u00e9stamo.<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:450,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">Los CDC pueden proporcionar un an\u00e1lisis de precalificaci\u00f3n a los propietarios de peque\u00f1as empresas, para que conozcan su poder adquisitivo y puedan actuar con rapidez cuando encuentren la oportunidad adecuada. Una carta de precalificaci\u00f3n puede darle una ventaja sobre otras ofertas, que en el competitivo&nbsp;<\/span><span data-contrast=\"none\">California<\/span><span data-contrast=\"none\">&nbsp;mercado, puede hacer o deshacer un trato. TMC puede proporcionar una carta de precalificaci\u00f3n gratuita dentro de las 48 horas<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:450,&quot;335559740&quot;:240}\">&nbsp;<\/span><\/p>\n<p><b><span data-contrast=\"none\">Aprende m\u00e1s<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559739&quot;:160,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-contrast=\"none\">Si es propietario de una peque\u00f1a empresa en California o Nevada y<\/span><span data-contrast=\"none\">tu lo har\u00edas<\/span><span data-contrast=\"none\">&nbsp;Me gustar\u00eda saber m\u00e1s sobre el Programa 504 de la SBA.<\/span><span data-contrast=\"none\">&nbsp;y comprar un edificio para tu negocio<\/span><span data-contrast=\"none\">, por favor<\/span> <a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\"><span data-contrast=\"none\">\u202f<\/span><span data-contrast=\"none\">contacto<\/span><span data-contrast=\"none\">&nbsp;un experto en pr\u00e9stamos TMC Financing<\/span><\/a><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">&nbsp;Si se encuentra fuera de California o Nevada y necesita ayuda para encontrar una empresa de desarrollo local certificada,&nbsp;<\/span><span data-contrast=\"none\">puede ayudarlo a iniciar el proceso<\/span><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">&nbsp;<\/span><span data-contrast=\"none\">TMC Financing es el CDC n\u00famero uno en la naci\u00f3n.&nbsp;<\/span><span data-contrast=\"none\">Para<\/span><span data-contrast=\"none\">&nbsp;Durante 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.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:2,&quot;335559739&quot;:450,&quot;335559740&quot;:390}\">&nbsp;<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>[:en]<\/p>\n<p><span data-contrast=\"none\">A common\u00a0<\/span><span data-contrast=\"none\">dilemma<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">among small business owners is whether to buy or lease commercial property<\/span><span data-contrast=\"none\">\u00a0in today\u2019s market, a<\/span><span data-contrast=\"none\">\u00a0decision <\/span><span data-contrast=\"none\">ca<\/span><span data-contrast=\"none\">n<\/span><span data-contrast=\"none\">\u00a0be<\/span><span data-contrast=\"none\">\u00a0especially difficult in<\/span><span data-contrast=\"none\">\u00a0competitive real estate market<\/span><span data-contrast=\"none\">s like those<\/span><span data-contrast=\"none\">\u00a0of<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">California.\u00a0<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<p>[:]<\/p>\n","protected":false},"author":3,"featured_media":12183,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,25,178,89],"tags":[6526,369],"class_list":["post-12182","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-news-updates","category-sba-101","category-tmc","tag-sba-504-loan","tag-small-business"],"acf":{"related_posts":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>[:en]The Leasing vs. Owning Decision in Today\u2019s Market[:zh]Small Business Outlook 2019[:es]Small Business Outlook 2019[:]<\/title>\n<meta name=\"description\" content=\"A common dilemma among small business owners is whether to buy or lease property. This decision is especially difficult in competitive real estate markets.{:zh}Each year, TMC Financing surveys our small business clients in California and Nevada to get a pulse on their outlook and predictions for the coming year.{:es}Each year, TMC Financing surveys our small business clients in California and Nevada to get a pulse on their outlook and predictions for the coming year.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.tmcfinancing.com\/es\/lease-vs-own-decision-in-todays-market-small-business-big-decisions\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lease vs. Own in Today\u2019s Market: Small Businesses and Big Decisions\" \/>\n<meta property=\"og:description\" content=\"A common dilemma among small business owners is whether to buy or lease property. This decision is especially difficult in competitive real estate markets.{:zh}Each year, TMC Financing surveys our small business clients in California and Nevada to get a pulse on their outlook and predictions for the coming year.{:es}Each year, TMC Financing surveys our small business clients in California and Nevada to get a pulse on their outlook and predictions for the coming year.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.tmcfinancing.com\/es\/lease-vs-own-decision-in-todays-market-small-business-big-decisions\/\" \/>\n<meta property=\"og:site_name\" content=\"TMC Financing\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/pages\/TMC-Financing\/285163574849957\" \/>\n<meta property=\"article:published_time\" content=\"2020-02-14T01:09:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-05-11T03:30:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2020\/02\/tmc-financing-office-space.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"901\" \/>\n\t<meta property=\"og:image:height\" content=\"601\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TMCFinance\" \/>\n<meta name=\"twitter:site\" content=\"@TMCFinance\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutos\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"[:en]The Leasing vs. Owning Decision in Today\u2019s Market[:zh]Small Business Outlook 2019[:es]Small Business Outlook 2019[:]","description":"A common dilemma among small business owners is whether to buy or lease property. 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