{"id":14485,"date":"2020-06-11T13:58:24","date_gmt":"2020-06-11T20:58:24","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=14485"},"modified":"2023-10-25T11:14:13","modified_gmt":"2023-10-25T18:14:13","slug":"cash-out-refinance-rates","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/cash-out-refinance-rates\/","title":{"rendered":"SBA 504 Tasas de refinanciamiento de retiro de efectivo en m\u00ednimos hist\u00f3ricos"},"content":{"rendered":"<p>Las tasas de refinanciamiento en efectivo del pr\u00e9stamo 504 de la Administraci\u00f3n de Peque\u00f1as Empresas (SBA) se encuentran actualmente en m\u00ednimos hist\u00f3ricos. El Programa de refinanciamiento 504 de la SBA brinda una oportunidad \u00fanica para reducir los costos mensuales y acceder al efectivo atrapado en el capital social para los propietarios de negocios con deudas comerciales. Con tasas de refinanciamiento en efectivo en un m\u00ednimo hist\u00f3rico, actualmente <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-rates\/\">2.59%<\/a>\u00a0en un plazo fijo de 25 a\u00f1os a partir de junio de 2020, ahora es el momento m\u00e1s oportuno para aprovechar el programa.<\/p>\n<p><span style=\"color: #003e7e;\"><strong>Acceder al efectivo<\/strong><\/span><\/p>\n<p>El medio ambiente actual ha sido perjudicial para muchas de las peque\u00f1as empresas de nuestra naci\u00f3n. Las empresas necesitan desesperadamente dinero en efectivo. Mientras que la <a href=\"https:\/\/www.tmcfinancing.com\/es\/covid-19-grants\/\">pr\u00e9stamos y subvenciones<\/a> disponibles para las empresas que se vieron afectadas negativamente por el coronavirus son agradables; tambi\u00e9n son muy codiciadas y no ser\u00e1n suficientes para ayudar a muchas de nuestras empresas a sobrevivir en estos tiempos sin precedentes.<\/p>\n<p>Una forma \u00fanica para que los propietarios de peque\u00f1as empresas accedan al efectivo es refinanciar la deuda comercial. Al utilizar el Programa de refinanciamiento 504 de la SBA, los due\u00f1os de negocios pueden obtener hasta el 20 por ciento del valor de su propiedad tasada en efectivo. Este efectivo se puede utilizar en gastos comerciales calificados, que incluyen salarios, alquiler, servicios p\u00fablicos e inventario. Los due\u00f1os de negocios pueden refinanciar hasta el 85 por ciento del valor de tasaci\u00f3n cuando se saca efectivo. Sin retiro de efectivo, los due\u00f1os de negocios pueden refinanciar hasta el 90 por ciento del valor de tasaci\u00f3n.<\/p>\n<p><span style=\"color: #003e7e;\"><strong>Perd\u00f3n de deuda a seis meses<\/strong><\/span><\/p>\n<p>Adem\u00e1s de las tasas de refinanciamiento de efectivo hist\u00f3ricamente bajas de hoy, otra raz\u00f3n convincente para actuar ahora es la oportunidad de condonaci\u00f3n de la deuda bajo el <a href=\"https:\/\/home.treasury.gov\/policy-issues\/cares\/assistance-for-small-businesses\">Ley CARES<\/a>. La SBA est\u00e1 cubriendo actualmente los primeros seis meses de pagos de deuda para pr\u00e9stamos 504 nuevos y existentes que se financian antes de la venta de obligaciones del 16 de septiembre de 2020. Los pr\u00e9stamos que se aprueben a mediados de julio generalmente se financiar\u00e1n en septiembre.<\/p>\n<p><strong><span style=\"color: #003e7e;\">Consolide varios pr\u00e9stamos y obtenga una tasa por debajo del mercado, fija por 25 a\u00f1os<\/span> <\/strong><\/p>\n<p>Despu\u00e9s de refinanciar con un pr\u00e9stamo SBA 504, los due\u00f1os de negocios pueden disfrutar de costos de ocupaci\u00f3n fijos y un per\u00edodo de pago de hasta 25 a\u00f1os, sin pagos globales. Con costos operativos estables y predecibles, los due\u00f1os de negocios pueden presupuestar con precisi\u00f3n los a\u00f1os venideros. Otra ventaja del Programa de refinanciamiento 504 es que los propietarios de negocios pueden consolidar varios pr\u00e9stamos.<\/p>\n<h3><span style=\"color: #003e7e;\"><strong>Detalles del programa de pr\u00e9stamos de refinanciamiento de la SBA 504<\/strong><\/span><\/h3>\n<p><span style=\"color: #003e7e;\"><strong>C\u00f3mo funciona<\/strong><\/span><\/p>\n<p>Un pr\u00e9stamo de refinanciamiento 504 es \u00fanico porque se combina con un pr\u00e9stamo bancario convencional. As\u00ed es como se ve un pr\u00e9stamo de refinanciamiento 504 t\u00edpico:<\/p>\n<ul>\n<li>Un banco refinancia 50% de los costos del proyecto con un pr\u00e9stamo convencional<\/li>\n<li>Un CDC (como TMC Financing) refinancia hasta 40% de los costos del proyecto utilizando un pr\u00e9stamo 504<\/li>\n<li>El propietario de la peque\u00f1a empresa aporta al menos 10% de capital<\/li>\n<\/ul>\n<p>Los propietarios de peque\u00f1as empresas pueden utilizar el banco de su elecci\u00f3n para la primera hipoteca. Si lo prefiere, TMC puede ayudarlo a encontrar un banco que est\u00e9 familiarizado con el programa de pr\u00e9stamos de refinanciamiento 504 que ofrezca las mejores condiciones de pr\u00e9stamo para el proyecto en particular. Se requerir\u00e1 una tasaci\u00f3n antes de la financiaci\u00f3n para demostrar la equidad en la propiedad con la financiaci\u00f3n propuesta.<\/p>\n<p><span style=\"color: #003e7e;\"><strong>Elegibilidad del programa<\/strong><\/span><\/p>\n<p>Para ser elegible para refinanciamiento con retiro de efectivo con el Programa 504 de la SBA:<\/p>\n<ul>\n<li>El negocio y el pr\u00e9stamo existente deben tener al menos dos a\u00f1os. * El prestatario debe haber sido propietario del negocio durante esos dos a\u00f1os.<\/li>\n<li>Al menos el 85 por ciento del pr\u00e9stamo original debe haberse utilizado para un activo elegible 504, como bienes ra\u00edces, terrenos, construcci\u00f3n o equipo ocupados por el propietario. La deuda de capital de trabajo no es elegible.<\/li>\n<li>El prestatario debe estar al d\u00eda con todos los pagos durante al menos los \u00faltimos 12 meses antes de la solicitud de refinanciamiento.<\/li>\n<li>Los pr\u00e9stamos no deben estar sujetos a la garant\u00eda de una agencia federal. Los pr\u00e9stamos SBA 504 o 7 (a) existentes no son elegibles.<\/li>\n<\/ul>\n<p><span style=\"color: #003e7e;\"><strong>\u00bfEs el programa de refinanciamiento 504 de la SBA adecuado para usted?<\/strong><\/span><\/p>\n<p>Refinanciar la deuda existente tiene sentido por varias razones. Te da la capacidad de:<\/p>\n<ul>\n<li>Salga de los pagos globales<\/li>\n<li>Salga de pr\u00e9stamos con tasas de inter\u00e9s altas<\/li>\n<li>Fije las tasas por debajo del mercado, fijadas por 25 a\u00f1os<\/li>\n<li>Acceda al efectivo atrapado en el capital<\/li>\n<\/ul>\n<p>Para los propietarios de peque\u00f1as empresas con deudas comerciales, el programa SBA 504 es la forma m\u00e1s ventajosa de refinanciar. Proporciona una soluci\u00f3n f\u00e1cil para ahorrar potencialmente miles de d\u00f3lares en costos de ocupaci\u00f3n mensuales y brinda la oportunidad de acceder al efectivo atrapado en el capital.<\/p>\n<p>Con las tasas de refinanciamiento en efectivo en sus m\u00ednimos hist\u00f3ricos, adem\u00e1s de ahorros adicionales bajo la Ley CARES, ahora es el momento m\u00e1s oportuno para aprovechar el Programa de refinanciamiento 504 de la SBA.<\/p>\n<p>Si est\u00e1 interesado en obtener m\u00e1s informaci\u00f3n sobre las opciones de refinanciamiento de la SBA 504, <a href=\"https:\/\/www.sba.gov\/local-assistance\/find\/?type=Certified%20development%20company&amp;pageNumber=1\">su empresa de desarrollo certificada local<\/a> puede ayudarlo a comenzar. Si se encuentra en California o Nevada, <a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\">comun\u00edquese con uno de nuestros expertos en pr\u00e9stamos<\/a> para una consulta o para comenzar con una precalificaci\u00f3n.<\/p>","protected":false},"excerpt":{"rendered":"<p>With cash out refinance rates at a record low, currently 2.59% on a 25-year fixed term, now is the most opportune time to take advantage of the SBA 504 Refinance program.<\/p>","protected":false},"author":12,"featured_media":14496,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,6556,178],"tags":[376,327,415,386,368,411,7746,337,7745,364],"class_list":["post-14485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-refinance","category-sba-101","tag-504-loan","tag-business","tag-cdc-504","tag-cre","tag-expansion","tag-real-estate","tag-refinancing","tag-sba-504","tag-sba-504-refinancing","tag-sba-financing"],"acf":{"hide_blog_sidebar":false,"related_posts":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SBA 504 Cash Out Refinance Rates at All Time Low<\/title>\n<meta name=\"description\" content=\"With cash out refinance rates at a record low on a 25-year fixed term, now is the most opportune time to take advantage of the SBA 504 Refinance program.{:zh}The SBA 504 Loan was specifically designed to help growing small businesses expand by purchasing fixed assets such as real estate.{:es}The SBA 504 Loan was specifically designed to help growing small businesses expand by purchasing fixed assets such as real estate.\" \/>\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\/cash-out-refinance-rates\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBA 504 Cash out Refinance Rates at all-time Low\" \/>\n<meta property=\"og:description\" content=\"With cash out refinance rates at a record low on a 25-year fixed term, now is the most opportune 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