{"id":572,"date":"2013-07-02T00:00:00","date_gmt":"2013-07-02T07:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/sba-504-loans-and-commercial-real-estate-could-be-a-good-fit\/"},"modified":"2021-05-10T20:28:30","modified_gmt":"2021-05-11T03:28:30","slug":"sba-504-loans-and-commercial-real-estate-could-be-a-good-fit","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans-and-commercial-real-estate-could-be-a-good-fit\/","title":{"rendered":"Los pr\u00e9stamos 504 de la SBA y los bienes ra\u00edces comerciales podr\u00edan ser una buena opci\u00f3n"},"content":{"rendered":"
\n
2 de julio de 2013<\/div>\n

Los pr\u00e9stamos 504 de la SBA y los bienes ra\u00edces comerciales podr\u00edan ser una buena opci\u00f3n<\/h2>\n

Como se public\u00f3 en una publicaci\u00f3n reciente de North Fulton<\/a> escrito por Brian Patton, los pr\u00e9stamos 504 de la SBA se destacan como una buena forma para que las peque\u00f1as empresas obtengan financiaci\u00f3n.
\nBrain Patton mencion\u00f3 que el sector inmobiliario se est\u00e1 recuperando, luego de la crisis econ\u00f3mica de 2008. Sin embargo, a\u00fan puede ser dif\u00edcil cuando las peque\u00f1as empresas buscan financiamiento para comprar o renovar su capital comercial. Los pr\u00e9stamos de la SBA facilitan la financiaci\u00f3n de las peque\u00f1as empresas. Los due\u00f1os de negocios pueden depositar tan solo 10% del pago inicial, mientras que los bancos suelen depositar 50% y la SBA hasta 40%.<\/p>\n

Los pr\u00e9stamos 504 de la SBA y los bienes ra\u00edces comerciales podr\u00edan ser una buena opci\u00f3n<\/b><\/p>\n

Los efectos de la crisis financiera de 2008-2009 se extendieron por toda la econom\u00eda estadounidense como un guijarro que golpea un lago en calma. El mercado de bienes ra\u00edces comerciales se vio muy afectado, por supuesto, y el desempleo se dispar\u00f3, especialmente en las industrias vinculadas a los bienes ra\u00edces.<\/p>\n

El cr\u00e9dito para financiar bienes ra\u00edces comerciales pr\u00e1cticamente desapareci\u00f3. Si bien los mercados crediticios finalmente est\u00e1n comenzando a descongelarse, a\u00fan puede ser dif\u00edcil para los due\u00f1os de negocios asegurar el financiamiento que necesitan para comprar o renovar una propiedad comercial.<\/p>\n

Los pr\u00e9stamos de la Administraci\u00f3n de Peque\u00f1os Negocios (SBA) son una opci\u00f3n que puede ayudar a muchos due\u00f1os de negocios que luchan por obtener financiamiento. Los pr\u00e9stamos de la SBA se otorgan a trav\u00e9s de bancos regulares, pero la SBA garantiza el reembolso de una parte del pr\u00e9stamo, lo que ayuda a reducir el riesgo del banco.<\/p>\n

Hay varios tipos diferentes de pr\u00e9stamos de la SBA, incluido el pr\u00e9stamo 504 de la SBA, que a menudo se utiliza para financiar bienes ra\u00edces comerciales. Los pr\u00e9stamos SBA 504 est\u00e1n disponibles para peque\u00f1as empresas con fines de lucro para la adquisici\u00f3n y mejora de propiedades comerciales ocupadas por sus propietarios. Ofrecen financiamiento a largo plazo a tasa fija con un 90 por ciento de pr\u00e9stamo a valor y un calendario de amortizaci\u00f3n de 10 o 20 a\u00f1os.<\/p>\n

As\u00ed es como funcionan los pr\u00e9stamos 504: el banco proporciona el 50 por ciento del financiamiento y la SBA el 40 por ciento, mientras que el propietario del negocio aporta el 10 por ciento restante. Esto puede proporcionar una gran ventaja de flujo de efectivo en comparaci\u00f3n con una hipoteca comercial tradicional, que podr\u00eda requerir un pago inicial del 20 al 30 por ciento o m\u00e1s.<\/p>\n

Por ejemplo, con una propiedad comercial de $500,000, el pago inicial de un pr\u00e9stamo 504 ser\u00eda de solo $50,000, en comparaci\u00f3n con $150,000 o m\u00e1s con una hipoteca comercial tradicional.<\/p>\n

La Ley de Cr\u00e9dito y Empleos para Peque\u00f1as Empresas hizo algunos cambios al programa de pr\u00e9stamos de la SBA que lo hacen a\u00fan m\u00e1s atractivo. La Ley aument\u00f3 el l\u00edmite del pr\u00e9stamo 504 de la SBA a $5 millones y ampli\u00f3 la definici\u00f3n de una peque\u00f1a empresa con el fin de solicitar un pr\u00e9stamo de la SBA. Cualquier empresa con un patrimonio neto tangible de menos de $15 millones y un ingreso neto promedio en los \u00faltimos dos a\u00f1os de menos de $5 millones ahora puede solicitar un pr\u00e9stamo SBA 504.<\/p>\n

Existe una amplia gama de flexibilidad en lo que respecta a c\u00f3mo se pueden utilizar los ingresos de un pr\u00e9stamo 504. Estos incluyen: financiar la compra de terrenos y edificios existentes ocupados por sus propietarios, construcci\u00f3n de nuevas instalaciones, nivelaci\u00f3n, mejoras de calles, servicios p\u00fablicos, estacionamientos y paisajismo, as\u00ed como la modernizaci\u00f3n, renovaci\u00f3n o conversi\u00f3n de instalaciones existentes. Los costos blandos como honorarios arquitect\u00f3nicos y legales, estudios ambientales, tasaciones, intereses y tarifas tambi\u00e9n se pueden incorporar al pr\u00e9stamo 504.<\/p>\n

Tenga en cuenta que no todos los bancos se crean por igual cuando se trata de pr\u00e9stamos de la SBA. Aseg\u00farese de buscar un banco designado como "Prestamista preferido de la SBA". Estos bancos siguen un m\u00e9todo simplificado de suscripci\u00f3n de pr\u00e9stamos de la SBA, que generalmente les permite procesar las solicitudes de pr\u00e9stamos de la SBA m\u00e1s r\u00e1pido que los bancos que no son prestamistas preferidos de la SBA.<\/p>\n

Adem\u00e1s, el hecho de que un pr\u00e9stamo est\u00e9 \u201cgarantizado por la SBA\u201d no significa que el banco ser\u00e1 menos diligente en su proceso de suscripci\u00f3n de pr\u00e9stamos. Deber\u00e1 preparar el mismo tipo de paquete de solicitud de pr\u00e9stamo completo para un pr\u00e9stamo 504 de la SBA que para una hipoteca comercial tradicional.<\/p>\n

Los pr\u00e9stamos SBA 504 no son una panacea que cura todos los males de la crisis crediticia de bienes ra\u00edces comerciales. Pero en las circunstancias adecuadas, podr\u00edan ayudarlo a obtener el financiamiento que necesita para un proyecto inmobiliario comercial.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

July 2nd, 2013 SBA 504 Loans and Commercial Real Estate Could be a Good Fit As published in a recent post by North Fulton written by Brian Patton, SBA 504…<\/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":[25,90],"tags":[],"class_list":["post-572","post","type-post","status-publish","format-standard","hentry","category-news-updates","category-sba"],"acf":{"related_posts":null},"yoast_head":"\nSBA 504 Loans and Commercial Real Estate Could be a Good Fit | TMC Financing<\/title>\n<meta name=\"description\" content=\"As published in a recent post by North Fulton written by Brian Patton, SBA 504 Loans are highlighted as a good way for small business to get funding.Brain Patton mentioned that real estate is in its recovery, after the economic crisis in 2008. 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