{"id":438,"date":"2010-08-05T00:00:00","date_gmt":"2010-08-05T07:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/press-own-the-business-own-the-building-2\/"},"modified":"2021-05-10T20:28:04","modified_gmt":"2021-05-11T03:28:04","slug":"press-own-the-business-own-the-building","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/press-own-the-business-own-the-building\/","title":{"rendered":"Prensa: \u00bfEs due\u00f1o del negocio? Poseer el edificio"},"content":{"rendered":"<div class=\"padding\">\n<div>5 de agosto de 2010<\/div>\n<h2 class=\"post\">Prensa: \u00bfEs due\u00f1o del negocio? Poseer el edificio<\/h2>\n<p>Como se public\u00f3 en el <a href=\"http:\/\/sanfrancisco.bizjournals.com\/sanfrancisco\/\">San Francisco Business Times<\/a>, Viernes 30 de julio de 2010.<\/p>\n<p><strong>\u00bfEres due\u00f1o del negocio? Poseer el edificio<\/strong><\/p>\n<p>Financiamiento de la SBA para compras de edificios grandes y peque\u00f1os.<\/p>\n<p>Por Barbara Morrison, TMC<\/p>\n<p><strong>\u00bfSab\u00eda que el financiamiento de la SBA no es solo para edificios peque\u00f1os? <\/strong>No hay l\u00edmite para el tama\u00f1o de la compra del edificio con el financiamiento de la SBA 504. Bajo un nuevo programa relacionado con la energ\u00eda anunciado recientemente por la SBA, el programa 504 puede financiar proyectos significativamente m\u00e1s grandes, como la compra de $22.2 millones a continuaci\u00f3n. Cualquier compra de edificio que resulte en al menos una reducci\u00f3n de 10% en el uso de energ\u00eda puede calificar para un aumento de los fondos del pr\u00e9stamo 504 de la SBA. Las empresas que generar\u00e1n energ\u00eda renovable en el nuevo edificio tambi\u00e9n pueden calificar. Las empresas con necesidades importantes de espacio ahora pueden aprovechar los beneficios del financiamiento 504 de la SBA.<\/p>\n<p><strong>\u00bfSab\u00eda que una empresa puede tener m\u00e1s de un pr\u00e9stamo 504 de la SBA?<\/strong> Con los nuevos l\u00edmites de pr\u00e9stamos m\u00e1s altos, muchos prestatarios existentes de la SBA son elegibles para pr\u00e9stamos adicionales.<\/p>\n<p><strong>\u00bfSab\u00eda que puede comprar un edificio para su negocio por tan solo 10% de anticipo? <\/strong>El financiamiento de la SBA 504 permite a los propietarios de negocios preservar el capital de trabajo para un crecimiento y expansi\u00f3n continuos al contribuir con solo 10% del costo del proyecto.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00bfSab\u00eda que los pr\u00e9stamos de la SBA brindan financiamiento a tasa FIJA por debajo del mercado durante 20 a\u00f1os?<\/strong> Los pr\u00e9stamos SBA 504 tienen plazos largos de 20 a\u00f1os que brindan a las empresas costos de ocupaci\u00f3n estabilizados. Las empresas saludables que quieran pasar de alquilar a ser propietarios o deseen expandirse a un espacio m\u00e1s grande pueden aprovechar las tasas de inter\u00e9s hist\u00f3ricamente bajas actuales. La tasa 504 de la SBA de hoy es 5.08%, fijada durante todo el plazo de 20 a\u00f1os del pr\u00e9stamo.<\/p>\n<p><strong>\u00bfSab\u00eda que la mayor\u00eda de las empresas privadas son elegibles para el programa de pr\u00e9stamos 504 de la SBA?<\/strong> El programa SBA 504 se cre\u00f3 espec\u00edficamente para proporcionar a los propietarios de negocios fondos para comprar, renovar o construir propiedades comerciales para uso de la empresa. Si bien la empresa debe cumplir con ciertos est\u00e1ndares de tama\u00f1o, generalmente la mayor\u00eda de las empresas privadas con menos de 500 empleados son elegibles seg\u00fan los est\u00e1ndares de tama\u00f1o de la SBA.<\/p>\n<p><strong>\u00bfQu\u00e9 es un CDC? <\/strong>La SBA estructur\u00f3 el programa de pr\u00e9stamos 504 de la SBA como una asociaci\u00f3n entre una Compa\u00f1\u00eda de Desarrollo Certificada (CDC), como TMC, y un prestamista calificado. Un CDC es una corporaci\u00f3n privada que est\u00e1 certificada y regulada por la SBA para otorgar pr\u00e9stamos SBA 504 en un \u00e1rea geogr\u00e1fica espec\u00edfica. El CDC ayuda a las empresas a obtener financiamiento 504 y act\u00faa como defensor durante todo el proceso de pr\u00e9stamo. Un CDC debe procesar todas las solicitudes de pr\u00e9stamos 504 de la SBA. Despu\u00e9s de los fondos del pr\u00e9stamo, el CDC administra el pr\u00e9stamo durante los pr\u00f3ximos 20 a\u00f1os.<\/p>\n<p>TMC est\u00e1 certificada para proporcionar financiamiento SBA 504 para proyectos en todo California y el sur de Nevada. Clasificado entre los 5 mejores CDC a nivel nacional durante m\u00e1s de una d\u00e9cada, el personal de TMC trabaja directamente con los prestatarios para dise\u00f1ar paquetes de financiamiento que cumplan con las pautas del programa de la SBA y la capacidad crediticia de cada negocio. En los \u00faltimos 28 a\u00f1os, TMC ha proporcionado m\u00e1s de $5 mil millones en financiamiento SBA 504 para m\u00e1s de 3.400 empresas. Una precalificaci\u00f3n completa, sin cargo, est\u00e1 disponible para los posibles prestatarios que est\u00e9n interesados en aprovechar el financiamiento de tasa FIJA a largo plazo de la SBA.<\/p>\n<p><em>California<\/em><em> Las empresas est\u00e1n utilizando el programa de pr\u00e9stamos SBA 504 en cantidades cada vez mayores para aprovechar las tasas de inter\u00e9s hist\u00f3ricamente bajas y los valores actuales de las propiedades. <\/em><\/p>\n<p><strong>TMC ha visto un <\/strong><strong>97% <\/strong><strong>aumento en la cantidad de financiamiento de pr\u00e9stamos de la SBA en 2010 con respecto al a\u00f1o pasado. *<\/strong><\/p>\n<p><em>* Basado en pr\u00e9stamos aprobados en los primeros 6 meses de 2010 en comparaci\u00f3n con el mismo per\u00edodo de 2009.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Barbara Morrison es presidenta y fundadora de TMC.<\/em><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>August 5th, 2010 Press: Own the Business? Own the Building As published in the San Francisco Business Times, Friday, July 30th, 2010. Own the Business? Own the Building SBA financing&#8230;<\/p>","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,178],"tags":[],"class_list":["post-438","post","type-post","status-publish","format-standard","hentry","category-education","category-sba-101"],"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>Press: Own the Business? Own the Building | TMC Financing<\/title>\n<meta name=\"description\" content=\"Did you know that SBA financing isn\u2019t just for small buildings? 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