{"id":536,"date":"2013-03-05T00:00:00","date_gmt":"2013-03-05T08:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/secure-sba-funding-for-hotel-deals\/"},"modified":"2021-05-10T20:28:23","modified_gmt":"2021-05-11T03:28:23","slug":"secure-sba-funding-for-hotel-deals","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/secure-sba-funding-for-hotel-deals\/","title":{"rendered":"Asegure la financiaci\u00f3n de la SBA para proyectos hoteleros"},"content":{"rendered":"
\n

Los pr\u00e9stamos para hoteles TMC Financing y SBA 504 ofrecen una alternativa atractiva a los pr\u00e9stamos ajustados<\/h2>\n

Como se public\u00f3 en La gu\u00eda escocesa<\/a>:<\/p>\n

Despu\u00e9s de una larga lucha a trav\u00e9s de la recesi\u00f3n econ\u00f3mica, la industria hotelera finalmente ha visto signos de recuperaci\u00f3n, particularmente en la mejora de las tasas de ocupaci\u00f3n de hoteles y alojamiento en todo el pa\u00eds. A pesar de estas tendencias positivas, la disponibilidad de financiaci\u00f3n comercial sigue siendo un problema para muchos hoteleros. Como resultado, muchos propietarios de hoteles han recurrido al programa de pr\u00e9stamos 504 de la Administraci\u00f3n de Peque\u00f1os Negocios de los Estados Unidos (SBA) como una alternativa viable al financiamiento convencional.<\/p>\n

Los corredores de hipotecas comerciales que trabajan con propiedades hoteleras deben ser conscientes de que sus clientes del sector hotelero pueden ser buenos candidatos para los pr\u00e9stamos de la SBA. Debido a los valores actuales de las propiedades y las tasas de inter\u00e9s hist\u00f3ricamente bajas, comprar una propiedad es m\u00e1s asequible que nunca. Para ayudar a estos clientes a obtener fondos de la SBA 504, los corredores deben conocer los conceptos b\u00e1sicos del programa y c\u00f3mo se puede utilizar para las propiedades hoteleras. El programa SBA 504 proporciona a las empresas financiamiento comercial a largo plazo, por debajo del mercado y tasa fija con un pago inicial bajo.<\/p>\n

Considerar:<\/p>\n

    \n
  1. Inyecci\u00f3n de capital: aunque los pr\u00e9stamos SBA 504 generalmente implican una inyecci\u00f3n del 10 por ciento por parte del prestatario, los hoteles califican como edificios de \u201cprop\u00f3sito especial\u201d y requieren una inyecci\u00f3n de capital del 15 por ciento. En comparaci\u00f3n con un pr\u00e9stamo convencional en el que normalmente se requiere una inyecci\u00f3n de capital del 25 al 35 por ciento, un pr\u00e9stamo 504 de la SBA ayuda a conservar el efectivo para otros fines, como ventas, marketing o crecimiento continuo.<\/li>\n
  2. Usos: Los fondos del pr\u00e9stamo SBA 504 se pueden utilizar para la adquisici\u00f3n, renovaci\u00f3n o construcci\u00f3n de propiedades.<\/li>\n
  3. Estructura del pr\u00e9stamo: los pr\u00e9stamos SBA 504 consisten en una primera hipoteca de un prestamista convencional y una segunda hipoteca de una empresa de desarrollo certificada, una corporaci\u00f3n sin fines de lucro que promueve el desarrollo econ\u00f3mico dentro de su comunidad a trav\u00e9s de pr\u00e9stamos 504. Debido a que la participaci\u00f3n del banco, o el valor del pr\u00e9stamo al valor, es menor de lo que ser\u00eda bajo los t\u00e9rminos convencionales, la estructura de pr\u00e9stamos 504 permite a muchos prestamistas ofrecer mejores tasas y t\u00e9rminos. En muchos casos, la estructura 504 de la SBA ayuda a las empresas hoteleras a obtener fondos para proyectos que, de otro modo, no se hubieran financiado.<\/li>\n<\/ol>\n

    La Ley de Empleos para Peque\u00f1as Empresas de 2010 introdujo cambios significativos en el programa 504. La ley aument\u00f3 significativamente los l\u00edmites m\u00e1ximos de pr\u00e9stamos 504, permitiendo que las empresas m\u00e1s grandes reciban pr\u00e9stamos m\u00e1s grandes. Adem\u00e1s, no existe un l\u00edmite en el monto del pr\u00e9stamo de primera hipoteca proporcionado por el prestamista convencional, y el l\u00edmite del pr\u00e9stamo de segunda hipoteca de la SBA se ha aumentado de $2 millones a $5 millones. Los proyectos que incorporan ahorros de energ\u00eda pueden ser elegibles para $5.5 millones bajo la pol\u00edtica de energ\u00eda verde de la SBA.<\/p>\n

    La Ley de Empleos tambi\u00e9n aument\u00f3 el tama\u00f1o de las empresas elegibles para financiamiento bajo el programa 504. Una empresa ahora es elegible si tiene hasta $15 millones en patrimonio neto tangible, independientemente de su volumen de ventas, y ganancias promedio despu\u00e9s de impuestos de hasta $5 millones durante los \u00faltimos dos a\u00f1os.<\/p>\n

    Debido a que la disponibilidad de cr\u00e9dito a trav\u00e9s de prestamistas convencionales probablemente seguir\u00e1 siendo impredecible en el futuro previsible, la SBA ha intensificado para cubrir la brecha de financiamiento. Los corredores de hipotecas comerciales pueden encontrarse con propietarios de hoteles que buscan expandirse o comprar nuevas propiedades, y muchos de ellos est\u00e1n interesados en c\u00f3mo puede ayudar el programa de pr\u00e9stamos 504 de la SBA. \u2022<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

    Los pr\u00e9stamos para hoteles TMC Financing y SBA 504 ofrecen una alternativa atractiva a los pr\u00e9stamos ajustados Seg\u00fan lo publicado en The Scotsman Guide: Despu\u00e9s de una larga lucha a trav\u00e9s de la recesi\u00f3n econ\u00f3mica, la industria hotelera ...<\/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":[166,25,167,6,89],"tags":[],"class_list":["post-536","post","type-post","status-publish","format-standard","hentry","category-hotel","category-news-updates","category-special","category-success-stories","category-tmc"],"acf":{"related_posts":null},"yoast_head":"\nSecure SBA funding for hotel projects | TMC Financing<\/title>\n<meta name=\"description\" content=\"After a long struggle through the economic downturn, the hotel industry finally has seen signs of recovery \u2014 particularly in improving lodging and hotel occupancy rates nationwide. Despite these positive trends, the availability of commercial financing remains a problem for many hoteliers. As a result, many hotel owners have turned to the U.S. Small Business Administration (SBA) 504 loan program as a viable alternative to conventional financing.{:zh}Funding for hotel projects: TMC Financing & SBA 504 hotel loans offer attractive alternative to tight lending. See Scotsman Guide article here.{:es}Funding for hotel projects: TMC Financing & SBA 504 hotel loans offer attractive alternative to tight lending. 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