{"id":24594,"date":"2025-10-29T17:06:10","date_gmt":"2025-10-30T00:06:10","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=24594"},"modified":"2026-09-10T14:04:43","modified_gmt":"2026-09-10T21:04:43","slug":"504-fee-reductions-manufacturing-fy-26","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/504-fee-reductions-manufacturing-fy-26\/","title":{"rendered":"SBA Fee Reductions for Manufacturers in Fiscal Year 2026"},"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>\r\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>\r\n

\u00bb 504 Debt Refinance with Expansion<\/h2>\r\n
    \r\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>\r\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>\r\n<\/ul>\r\n

    \u00bb\u00a0504 Debt Refinance without Expansion<\/h2>\r\n
      \r\n
    • Elimina la condici\u00f3n de que el programa solo est\u00e1 disponible cuando el Programa de Pr\u00e9stamo 504 tiene subsidio cero.<\/li>\r\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>\r\n
    • Permite que los CDC de PCLP usen la autoridad delegada para aprobar el refinanciamiento de deuda 504 sin solicitudes de expansi\u00f3n, excepto:\r\n
        \r\n
      • If the debt being refinanced is the existing debt of the CDC, or the TPL, or affiliates of either\uf0a1<\/li>\r\n
      • If the CDC is requesting an exception to the “substantial benefits test” – 10% savings in payment on the amount of debt refinance<\/li>\r\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>\r\n<\/ul>\r\n<\/li>\r\n
      • Reinstatesan alternate job retention standard – all existing jobs measured on a full-time equivalent (FTE) basis can be counted as jobs retained by the refinancing project:\r\n
          \r\n
        • 1 trabajo por $75,000 del monto de la obligaci\u00f3n 504 para todos los solicitantes, excepto los peque\u00f1os fabricantes<\/li>\r\n
        • 1 trabajo por $120,000 del monto de la obligaci\u00f3n 504 para peque\u00f1os fabricantes<\/li>\r\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>\r\n<\/ul>\r\n<\/li>\r\n<\/ul>\r\n

          \u00bb “Qualified Debt” Revised Definition<\/h2>\r\n
            \r\n
          1. .Must meet the 85%\/15% test – NO CHANGE\r\n
              \r\n
            • Substantially all (85% or more) of the proceeds of the existing debt was used to acquire an Eligible Fixed Asset(s) and the remaining amount (15% or less) was incurred for the benefit of the small business seeking financing as measured by the “original loan”<\/li>\r\n<\/ul>\r\n<\/li>\r\n
            • Was incurred not less than 6 months prior to SBA application date – CHANGED FROM 2 YEARS<\/li>\r\n
            • Was incurred for the benefit of the small business seeking financing – NO CHANGE<\/li>\r\n
            • Has been secured by Eligible Fixed Asset(s) for at least 6 months – CHANGED FROM 2 YEARS<\/li>\r\n
            • Has been “current on all payments due” – DELETED<\/li>\r\n
            • “May include” debt subject to a federal guarantee – CHANGED FROM “IS NOT”, subject to limitations<\/li>\r\n
            • Is not a Third Party Loan which is part of an existing 504 Project, except under limited conditions – ALLOWED, subject to limitations<\/li>\r\n
            • May consist of one or more loans, provided each meets all the requirements of Qualified Debt – NO CHANGE<\/li>\r\n<\/ol>\r\n

              \u00bb\u00a0Refinance of Existing Government Guaranteed Debt<\/h2>\r\n
                \r\n
              • Allowed under limited conditions – same conditions required in 504 debt refi with expansion<\/li>\r\n
              • Para un pr\u00e9stamo 504 existente\r\n
                  \r\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>\r\n<\/ul>\r\n<\/li>\r\n
                • For an existing 7(a) loan- may be refinanced in whole or in part\uf0a1\r\n
                    \r\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>\r\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>\r\n<\/ul>\r\n<\/li>\r\n
                  • Note- these requirements also exist in the SBA 7(a) loan program – see SOP 50-10-6, page 227, paragraph 1.i., 1.j., and 1.k. for more information<\/em><\/li>\r\n
                  • The refinancing of any federally-guaranteed debt will provide a “substantial benefit” to the borrower\r\n
                      \r\n
                    • Ahorros m\u00ednimos de 10% en el nuevo monto de la cuota atribuible a la deuda que se est\u00e1 refinanciando<\/li>\r\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>\r\n
                    • NADCO tiene una plantilla de formulario para la prueba de beneficios sustanciales<\/li>\r\n
                    • Note: This requirement also exists in the SBA 7(a) loan program – see SOP 50-10-6, page 230, paragraph 1.e. for more information<\/em><\/li>\r\n<\/ul>\r\n<\/li>\r\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":3,"featured_media":24745,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[25,6556,90,178],"tags":[380,8798,8946,8944,8945,143,8912,8637,320],"class_list":["post-24594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-updates","category-refinance","category-sba","category-sba-101","tag-380","tag-eligibility","tag-fee-reduction","tag-fees","tag-fy26","tag-manufacturing","tag-process","tag-program-changes","tag-sba"],"acf":{"related_posts":false},"yoast_head":"\nSBA Fee Reductions for Manufacturers in Fiscal Year 2026 | TMC Financing<\/title>\n<meta name=\"description\" content=\"The SBA reduced upfront SBA 504 loan fees for small manufacturers to help business owners have even more access to capital.\" \/>\n<meta name=\"robots\" content=\"index, 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