{"id":475,"date":"2011-07-07T00:00:00","date_gmt":"2011-07-07T07:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/changes-in-sba-504-financing-may-make-your-dream-of-owning-your-spa-a-reality-2\/"},"modified":"2021-05-10T20:28:09","modified_gmt":"2021-05-11T03:28:09","slug":"changes-in-sba-504-financing-may-make-your-dream-of-owning-your-spa-a-reality","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/changes-in-sba-504-financing-may-make-your-dream-of-owning-your-spa-a-reality\/","title":{"rendered":"Los cambios en el financiamiento 504 de la SBA pueden hacer realidad su sue\u00f1o de ser propietario de su spa"},"content":{"rendered":"<div class=\"padding\">\n<div>7 de julio de 2011<\/div>\n<h2 class=\"post\">Los cambios en el financiamiento 504 de la SBA pueden hacer realidad su sue\u00f1o de ser propietario de su spa<\/h2>\n<p>Como se public\u00f3 en: <a href=\"http:\/\/www.skininc.com\/spabusiness\/management\/finance\/125080949.html\">Skin Inc<\/a><\/p>\n<p>Barbara Morrison, directora ejecutiva y fundadora de TMC, una empresa de desarrollo certificada (CDC) con sede en San Francisco que ha proporcionado aproximadamente $6 mil millones en financiamiento para m\u00e1s de 3,700 empresas en todo California y Nevada, ofrece comentarios exclusivos a SkinInc.com sobre c\u00f3mo cambia la SBA El programa de financiaci\u00f3n 504 abre nuevas puertas para los propietarios de spa. \u00bfPodr\u00eda ser ahora un buen momento para comprar bienes ra\u00edces para su negocio? Esa es la pregunta m\u00e1s importante para muchos propietarios de spas. Para los propietarios de peque\u00f1as empresas que han resistido la recesi\u00f3n econ\u00f3mica y se sienten m\u00e1s seguros de su estabilidad financiera, el mercado de bienes ra\u00edces comerciales puede ser tanto tentador como desconcertante.<\/p>\n<p>Los propietarios de instalaciones para el cuidado de la piel est\u00e1n viendo un excedente de espacio minorista a precios baj\u00edsimos, pero siguen escuchando informes pesimistas de que la econom\u00eda no est\u00e1 creciendo tan r\u00e1pido como hab\u00edan predicho los economistas. Con muchas charlas sobre una segunda recesi\u00f3n, muchos propietarios de spas se sienten estancados y se preguntan si ahora es el momento adecuado para pasar del arrendamiento a la propiedad de su espacio de trabajo.<\/p>\n<p>Un pr\u00e9stamo 504 de la Administraci\u00f3n de Peque\u00f1as Empresas (SBA) puede ser la soluci\u00f3n para algunos propietarios que buscan comprar sus instalaciones. Si bien la realidad de poner 25% en efectivo para un pr\u00e9stamo hipotecario convencional t\u00edpico con un banco puede ser demasiado para un inquilino preocupado por el efectivo, la SBA ofrece una opci\u00f3n con tasas de inter\u00e9s fijas por debajo del mercado a trav\u00e9s del programa de pr\u00e9stamos SBA 504.<\/p>\n<p>La SBA ha simplificado sus pol\u00edticas en los \u00faltimos a\u00f1os para hacer que los pr\u00e9stamos de bienes ra\u00edces comerciales sean m\u00e1s accesibles y factibles para las empresas. Este a\u00f1o, se han realizado m\u00e1s mejoras en el programa. El renovado programa de pr\u00e9stamos SBA 504 es el secreto mejor guardado en la industria de las peque\u00f1as empresas y ofrece oportunidades para los propietarios de spa gracias a las mejoras recientes.<\/p>\n<p>Si alquila un espacio para su spa, las bajas tasas de inter\u00e9s actuales y los muchos beneficios del programa de pr\u00e9stamos 504 de la SBA hacen que este sea un momento oportuno para considerar la compra de su instalaci\u00f3n. Al comprar sus instalaciones en lugar de arrendarlas, es posible que pueda controlar su futuro financiero, recibir ahorros fiscales y mejorar el flujo de efectivo.<\/p>\n<p>Los servicios de spa y belleza que se han beneficiado del financiamiento de la SBA incluyen: Acqua Med Spa en San Rafael, CA; Corporaci\u00f3n Casa de Maria en Van Nuys, CA; Marilyn Jaegar Skincare, Inc., en San Francisco, CA; Natural Nails en Los Gatos, CA; y gimnasio para mujeres en Fairfax, CA.<\/p>\n<p><strong>Trabajar con CDC<\/strong><\/p>\n<p>Para obtener un pr\u00e9stamo 504 de la SBA, los propietarios de peque\u00f1as empresas trabajan con las Compa\u00f1\u00edas de Desarrollo Certificadas (CDC) para procesar la documentaci\u00f3n. Los CDC son corporaciones privadas que est\u00e1n certificadas y reguladas por la SBA para otorgar pr\u00e9stamos SBA 504 en \u00e1reas geogr\u00e1ficas espec\u00edficas. Aproximadamente 250 CDC operan en todo Estados Unidos. El papel del CDC es ayudar a la peque\u00f1a empresa a obtener financiamiento 504 en asociaci\u00f3n con un prestamista privado. (Nota del editor: si est\u00e1 interesado en solicitar un pr\u00e9stamo 504, comun\u00edquese con el CDC m\u00e1s cercano. Puede obtener una lista en la oficina de distrito local de la SBA). Los beneficios de los pr\u00e9stamos 504 de la SBA incluyen:<\/p>\n<p>\u2022 Se dispone de financiamiento de hasta 90% para la compra, renovaci\u00f3n y construcci\u00f3n de propiedad comercial propietario-usuario; Por lo general, las empresas solo deben proporcionar la inyecci\u00f3n de 10%.<\/p>\n<p>\u2022 Pr\u00e9stamos m\u00e1s grandes para empresas m\u00e1s grandes; Las recientes actualizaciones de pr\u00e9stamos SBA 504 aumentaron el monto m\u00e1ximo del pr\u00e9stamo y ampliaron los est\u00e1ndares de elegibilidad del tama\u00f1o de la empresa. La mayor\u00eda de las empresas privadas en los Estados Unidos ahora son elegibles.<\/p>\n<p>\u2022 Tasas de inter\u00e9s a largo plazo por debajo del mercado; fijo por 20 a\u00f1os.<\/p>\n<p>\u2022 Por primera vez, los propietarios de peque\u00f1as empresas ahora pueden utilizar pr\u00e9stamos SBA 504 a bajo inter\u00e9s y respaldados por el gobierno para refinanciar hipotecas comerciales subacu\u00e1ticas existentes.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>July 7th, 2011 Changes in SBA 504 Financing May Make Your Dream of Owning Your Spa a Reality As published in: Skin Inc Barbara Morrison CEO and founder of TMC,&#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],"tags":[],"class_list":["post-475","post","type-post","status-publish","format-standard","hentry","category-education"],"acf":{"related_posts":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Changes in SBA 504 Financing May Make Your Dream of Owning Your Spa a Reality | TMC Financing<\/title>\n<meta name=\"description\" content=\"Barbara Morrison CEO and founder of TMC, a certified development company (CDC) based in San Francisco that has provided approximately $6 billion in financing for more than 3,700 businesses throughout California and Nevada, provides exclusive commentary to 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