{"id":573,"date":"2013-07-08T00:00:00","date_gmt":"2013-07-08T07:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/sba-504-loan-helped-transform-preschools-director-into-its-owner\/"},"modified":"2021-05-10T20:28:30","modified_gmt":"2021-05-11T03:28:30","slug":"sba-504-loan-helped-transform-preschools-director-into-its-owner","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/sba-504-loan-helped-transform-preschools-director-into-its-owner\/","title":{"rendered":"El pr\u00e9stamo 504 de la SBA ayud\u00f3 a transformar al director de preescolar en su propietario"},"content":{"rendered":"
\n
8 de julio de 2013<\/div>\n

El pr\u00e9stamo 504 de la SBA ayud\u00f3 a transformar al director de preescolar en su propietario<\/h2>\n

Como se public\u00f3 en el Diario de negocios de Wichita<\/a>.<\/p>\n

En un art\u00edculo reciente titulado: "De principiantes a peces gordos", Lori Tos, propietaria de NorthRidge Academy, afirm\u00f3 que el pr\u00e9stamo 504 de la SBA la ha transformado de directora a propietaria de un negocio en su apasionada industria de la educaci\u00f3n.<\/p>\n

Lori Tos ha trabajado en el cuidado de ni\u00f1os de Wichita (en NorthRidge Academy) como directora durante los \u00faltimos 5 a\u00f1os. En 2006, Lori se acerc\u00f3 al propietario de la guarder\u00eda de Wichita sobre la compra del negocio para ponerlo en el camino correcto y hacer realidad su sue\u00f1o.<\/p>\n

Lori record\u00f3 que los procesos de financiaci\u00f3n con los bancos no fueron muy fluidos. Acudi\u00f3 a cuatro bancos para pedir financiaci\u00f3n, pero todos la rechazaron porque consideraron que su plan de negocios era demasiado agresivo.<\/p>\n

Con el tiempo, Lori se enter\u00f3 del programa de pr\u00e9stamos 504 de la SBA que le permiti\u00f3 financiar a una tasa fija por debajo del mercado, lo que le permiti\u00f3 acceder al capital con solo un pago inicial de 10% del pago de capital. Con la ayuda de la SBA, Lori pudo salvar el negocio y lo transform\u00f3 en NorthRidge Academy. Hoy en d\u00eda, NorthRidge genera $1.2 millones al a\u00f1o. Lori dijo que volver\u00e1 a considerar la posibilidad de financiar con la SBA cuando expanda su negocio.<\/p>\n

El pr\u00e9stamo 504 de la SBA ayud\u00f3 a transformar al director de preescolar en su propietario<\/b><\/p>\n

Lori Tos sab\u00eda que se pod\u00eda hacer, pero pocos cre\u00edan que su centro de cuidado infantil y preescolar de Wichita podr\u00eda generar m\u00e1s de $1 mill\u00f3n en ingresos anuales. As\u00ed que Tos se propuso demostrar que sus esc\u00e9pticos estaban equivocados.<\/p>\n

Era 2006, y Tos, que se especializ\u00f3 en negocios en la universidad, estaba en proceso de comprar New Song Academy, que hab\u00eda dirigido como directora durante cinco a\u00f1os.<\/p>\n

Tos no estaba contenta con la direcci\u00f3n que estaba tomando New Song y tem\u00eda por su futuro. Ser propietario del centro combinar\u00eda su amor por trabajar con ni\u00f1os con su experiencia empresarial. Y le dar\u00eda la oportunidad de poner el centro en el camino correcto.<\/p>\n

\u201cNo sab\u00eda cu\u00e1nto tiempo estar\u00eda aqu\u00ed la escuela si no la compraba\u201d, dice Tos.<\/p>\n

Se acerc\u00f3 al propietario sobre la posibilidad de comprarla. Los dos acordaron un precio de compra y Tos se propuso asegurar el financiamiento que har\u00eda realidad su sue\u00f1o.<\/p>\n

Pero no fue f\u00e1cil. Tos pas\u00f3 aproximadamente un a\u00f1o tratando de persuadir a los bancos para que le prestaran el dinero para comprar el centro, que ella estaba rebautizando como NorthRidge Academy.<\/p>\n

A medida que aumentaban los rechazos, Tos se pregunt\u00f3 si ser\u00eda capaz de cerrar un trato. Casi se rindi\u00f3. Tos solicit\u00f3 pr\u00e9stamos en cuatro bancos, y todos se mostraron reacios a prestar su dinero bas\u00e1ndose en lo que consideraban proyecciones de ingresos agresivas.<\/p>\n

Pero ella se mantuvo firme. Y, finalmente, se enter\u00f3 del programa de pr\u00e9stamos 504 de la Administraci\u00f3n de Peque\u00f1as Empresas, que ayuda a los empresarios a obtener financiamiento para activos fijos con un pago inicial del 10 por ciento. Un prestamista emite un pr\u00e9stamo por el 50 por ciento del total y una empresa de desarrollo certificada cubre el 40 por ciento restante<\/p>\n

Tos y un socio silencioso pudieron juntar el anticipo. Rural Missouri Inc., uno de los principales prestamistas 504, se convirti\u00f3 en la empresa de desarrollo. Para completar el trato, RMI ayud\u00f3 a Tos a encontrar el socio de pr\u00e9stamos perfecto: Legacy Bank, que resulta ser el vecino de NorthRidge Academy.<\/p>\n

\u201cLegacy nos salv\u00f3\u201d, dice Tos.<\/p>\n

Tos tiene una nota a 20 a\u00f1os con RMI y una nota a 15 a\u00f1os con Legacy. La SBA respald\u00f3 $1.08 millones del paquete.<\/p>\n

Brice Malloy, vicepresidente de pr\u00e9stamos comerciales de Legacy, dice que el banco tiene una buena relaci\u00f3n de trabajo con NorthRidge Academy.<\/p>\n

\u00c9l dice que la experiencia previa de Tos en el negocio, m\u00e1s su pasi\u00f3n por trabajar con ni\u00f1os, trabajaron a su favor. RMI, dice, trajo la idea de hacer un pr\u00e9stamo 504 a los representantes del banco, y estaban dispuestos a arriesgarse.<\/p>\n

\u201cEse programa le da al banco una buena relaci\u00f3n pr\u00e9stamo \/ valor y le da al prestatario una tasa fija a largo plazo\u201d, dice Malloy. "Ella arm\u00f3 un grupo que la convirti\u00f3 en una prestataria bien calificada".<\/p>\n

Hoy, NorthRidge est\u00e1 prosperando. Su edificio de 16,000 pies cuadrados ahora alberga de 35 a 50 miembros del personal y 180 ni\u00f1os. Tiene listas de espera para todos los grupos de edad, hasta un a\u00f1o para los beb\u00e9s.<\/p>\n

Y Tos dice que todo eso sucedi\u00f3 sin publicidad paga, solo de boca en boca.<\/p>\n

\u00bfEn cuanto a esas agresivas proyecciones de ingresos? Tos dio en el blanco en el primer a\u00f1o y no ha mirado atr\u00e1s. Tos dice que los ingresos anuales de NorthRidge son consistentemente alrededor de $1.2 millones, no porque sus tarifas aumenten, sino porque el centro siempre est\u00e1 lleno. La rotaci\u00f3n de maestros es baja, dice Tos, y la empresa se beneficia de estar cerca de dos v\u00edas principales.<\/p>\n

NorthRidge tiene 12 aulas, un gran gimnasio y una cocina de servicio completo. Utiliza un plan de estudios acad\u00e9mico en sus clases y tambi\u00e9n ofrece enriquecimiento musical y educaci\u00f3n f\u00edsica.<\/p>\n

Tos dice que NorthRidge ha superado su espacio y est\u00e1 considerando comprar un terreno para un nuevo edificio o encontrar una manera de expandirse en la ubicaci\u00f3n existente.<\/p>\n

Cuando llegue ese momento, dice Tos, se basar\u00e1 en su experiencia previa con la SBA y puede buscar una v\u00eda de financiamiento similar.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

July 8th, 2013 SBA 504 loan helped transform preschool\u2019s director into its owner As published in the Wichita Business Journal. In a recent article entitled: \u201cFrom beginners to Bigshots\u201d, Lori…<\/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":[1],"tags":[],"class_list":["post-573","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":{"related_posts":null},"yoast_head":"\nSBA 504 loan helped transform preschool\u2019s director into its owner | TMC Financing<\/title>\n<meta name=\"description\" content=\"In a recent article entitled: \u201cFrom beginners to Bigshots\u201d, Lori Tos, owner of the NorthRidge Academy, stated that the SBA 504 loan has transformed her from a director to a business owner in her passionate education industry.Lori Tos has worked in Wichita child-care (at NorthRidge Academy) as a director for the last 5 years. 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