{"id":18866,"date":"2021-08-03T09:57:55","date_gmt":"2021-08-03T16:57:55","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=18866"},"modified":"2021-08-03T13:44:35","modified_gmt":"2021-08-03T20:44:35","slug":"refinancing_program_changes_2021","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/refinancing_program_changes_2021\/","title":{"rendered":"Cambios en el programa de refinanciamiento 504 de la SBA"},"content":{"rendered":"

Despu\u00e9s de la Ley CARES de 2021, sab\u00edamos que se avecinaban cambios con respecto al Programa de refinanciamiento 504 de la SBA que permitir\u00eda a m\u00e1s peque\u00f1as empresas aprovechar el programa. Los cambios se describen a continuaci\u00f3n.<\/p>\n

Fuente: Cambios de NADCO a la regla final provisional de los programas de reembolso de deuda 504 30 de julio de 2021<\/a><\/em><\/p>\n

\u00bb<\/span> 504 Refinanciamiento de deuda con expansi\u00f3n<\/h2>\n
    \n
  • La cantidad de deuda existente que puede refinanciarse como parte de un Proyecto 504 aument\u00f3 de no m\u00e1s de 50% a no m\u00e1s de 100% de los costos del proyecto de la expansi\u00f3n.<\/li>\n
  • El solicitante a\u00fan debe estar al d\u00eda con todos los pagos adeudados durante los 12 meses anteriores a la fecha de solicitud de la SBA<\/li>\n<\/ul>\n

    \u00bb\u00a0<\/span>504 Refinanciamiento de deuda sin expansi\u00f3n<\/h2>\n
      \n
    • Elimina la condici\u00f3n de que el programa solo est\u00e1 disponible cuando el Programa de Pr\u00e9stamo 504 tiene subsidio cero.<\/li>\n
    • Elimina el l\u00edmite que restringe a los CDC de procesar nuevos pr\u00e9stamos de refinanciamiento que superen el 50% del volumen en d\u00f3lares del a\u00f1o anterior.<\/li>\n
    • Permite que los CDC de PCLP usen la autoridad delegada para aprobar el refinanciamiento de deuda 504 sin solicitudes de expansi\u00f3n, excepto:\n
        \n
      • Si la deuda que se refinancia es la deuda existente de la CDC, o la TPL, o afiliadas de cualquiera<\/li>\n
      • Si los CDC est\u00e1n solicitando una excepci\u00f3n a la "prueba de beneficios sustanciales": ahorros de 10% en el pago del monto del refinanciamiento de la deuda<\/li>\n
      • Si el CDC solicita una exenci\u00f3n del requisito de que los activos fijos elegibles 504 que garanticen cualquier deuda a refinanciar tambi\u00e9n garanticen el pr\u00e9stamo 504<\/li>\n<\/ul>\n<\/li>\n
      • Restablece un est\u00e1ndar alternativo de retenci\u00f3n de trabajos: todos los trabajos existentes medidos sobre una base equivalente a tiempo completo (FTE) pueden contarse como trabajos retenidos por el proyecto de refinanciamiento:\n
          \n
        • 1 trabajo por $75,000 del monto de la obligaci\u00f3n 504 para todos los solicitantes, excepto los peque\u00f1os fabricantes<\/li>\n
        • 1 trabajo por $120,000 del monto de la obligaci\u00f3n 504 para peque\u00f1os fabricantes<\/li>\n
        • Si el proyecto no cumple con la creaci\u00f3n \/ retenci\u00f3n de empleos, los CDC pueden continuar usando todas las metas de pol\u00edtica disponibles<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

          \u00bb <\/span>Definici\u00f3n revisada de \u201cdeuda calificada\u201d<\/h2>\n
            \n
          1. Debe cumplir con la prueba 85% \/ 15%, sin cambios\n
              \n
            • Pr\u00e1cticamente todo (85% o m\u00e1s) de los ingresos de la deuda existente se utiliz\u00f3 para adquirir un Activo Fijo Elegible y el monto restante (15% o menos) se incurri\u00f3 en beneficio de la peque\u00f1a empresa que buscaba financiamiento seg\u00fan la medici\u00f3n de " pr\u00e9stamo original "<\/li>\n<\/ul>\n<\/li>\n
            • Se incurri\u00f3 no menos de 6 meses antes de la fecha de solicitud de la SBA - cambiado de dos a\u00f1os<\/span><\/li>\n
            • Se incurri\u00f3 en beneficio de la peque\u00f1a empresa que busca financiamiento, sin cambios<\/li>\n
            • Ha sido asegurado por Activos Fijos Elegibles durante al menos 6 meses - cambiado de dos a\u00f1os<\/span><\/li>\n
            • Ha estado "al d\u00eda en todos los pagos adeudados" - eliminado<\/span><\/li>\n
            • "Puede incluir" deuda sujeta a una garant\u00eda federal - cambiado de "no es"<\/span>, sujeto a limitaciones<\/li>\n
            • No es un pr\u00e9stamo de terceros que sea parte de un proyecto 504 existente, excepto bajo condiciones limitadas. - permitido<\/span>, sujeto a limitaciones<\/li>\n
            • Puede consistir en uno o m\u00e1s pr\u00e9stamos, siempre que cada uno cumpla con todos los requisitos de Deuda Calificada - sin cambios<\/li>\n<\/ol>\n

              \u00bb\u00a0<\/span>Refinanciamiento de deuda garantizada por el gobierno existente<\/h2>\n
                \n
              • Permitido bajo condiciones limitadas - mismas condiciones requeridas en 504 refinanciamiento de deuda con expansi\u00f3n<\/li>\n
              • Para un pr\u00e9stamo 504 existente\n
                  \n
                • Tanto el pr\u00e9stamo de terceros como el pr\u00e9stamo 504 deben refinanciarse o el pr\u00e9stamo de terceros debe pagarse en su totalidad.<\/li>\n<\/ul>\n<\/li>\n
                • Para un pr\u00e9stamo 7 (a) existente: se puede refinanciar total o parcialmente\n
                    \n
                  • Los CDC deben verificar por escrito que el prestamista actual no est\u00e1 dispuesto o no puede modificar el calendario de pagos actual.<\/li>\n
                  • En el caso de la deuda de la misma instituci\u00f3n, si el prestamista externo o el afiliado de los CDC es el prestamista 7 (a), el pr\u00e9stamo ser\u00e1 elegible para el refinanciamiento 504 solo si el prestamista no puede modificar los t\u00e9rminos del pr\u00e9stamo existente debido a que El inversor del mercado secundario no aceptar\u00e1 los t\u00e9rminos modificados.<\/li>\n<\/ul>\n<\/li>\n
                  • Nota: estos requisitos tambi\u00e9n existen en el programa de pr\u00e9stamos SBA 7 (a); consulte SOP 50-10-6, p\u00e1gina 227, p\u00e1rrafo 1.i., 1.j. y 1.k. para m\u00e1s informaci\u00f3n<\/em><\/li>\n
                  • El refinanciamiento de cualquier deuda garantizada por el gobierno federal proporcionar\u00e1 un "beneficio sustancial" al prestatario.\n
                      \n
                    • Ahorros m\u00ednimos de 10% en el nuevo monto de la cuota atribuible a la deuda que se est\u00e1 refinanciando<\/li>\n
                    • Debe incluir multas por pago anticipado, tarifas de financiamiento y otros costos de financiamiento en el monto a refinanciar al calcular los ahorros de 10%<\/li>\n
                    • NADCO tiene una plantilla de formulario para la prueba de beneficios sustanciales<\/li>\n
                    • Nota: Este requisito tambi\u00e9n existe en el programa de pr\u00e9stamos 7 (a) de la SBA; consulte el SOP 50-10-6, p\u00e1gina 230, p\u00e1rrafo 1.e. para m\u00e1s informaci\u00f3n<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"

                      Following the 2021 CARES Act – we knew changes were looming regarding that SBA 504 Refinance Program that would enable more small businesses to take advantage of the program. The…<\/p>","protected":false},"author":12,"featured_media":18900,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[25,90],"tags":[380,8637,426,7746,320],"class_list":["post-18866","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-updates","category-sba","tag-380","tag-program-changes","tag-refinance","tag-refinancing","tag-sba"],"acf":{"related_posts":false},"yoast_head":"\nChanges to the SBA 504 Refinance Program | TMC Financing<\/title>\n<meta name=\"description\" content=\"The SBA 504 Refinance Program has made changes to enable more small businesses to take advantage of the program.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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