{"id":592,"date":"2013-10-08T00:00:00","date_gmt":"2013-10-08T07:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/shutdown-leaves-sba-lending-in-limbo\/"},"modified":"2021-05-10T20:28:34","modified_gmt":"2021-05-11T03:28:34","slug":"shutdown-leaves-sba-lending-in-limbo","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/shutdown-leaves-sba-lending-in-limbo\/","title":{"rendered":"Cierre deja los pr\u00e9stamos de la SBA en el limbo"},"content":{"rendered":"<div class=\"padding\">\n<div>8 de octubre de 2013<\/div>\n<h2 class=\"post\">Cierre deja los pr\u00e9stamos de la SBA en el limbo<\/h2>\n<p>En un art\u00edculo reciente en el <a href=\"http:\/\/www.bizjournals.com\/sanjose\/news\/2013\/10\/04\/shutdown-leaves-sba-lending-in-limbo.html\">Diario de negocios de Silicon Valley<\/a>, se destaca el cierre del gobierno. Nuestro propio, <a href=\"http:\/\/tmcfinancing.com\/en\/representative\/bruce-whitaker\/\">Bruce Whitaker<\/a> se cit\u00f3 sobre el impacto en el sector de pr\u00e9stamos de la SBA.<\/p>\n<p><b>Cierre deja los pr\u00e9stamos de la SBA en el limbo<\/b> por <a href=\"http:\/\/www.bizjournals.com\/sanjose\/bio\/13941\/Nathan+Donato-Weinstein\">Nathan Donato-Weinstein<\/a><\/p>\n<p>El tiempo es dinero, especialmente cuando est\u00e1 esperando la aprobaci\u00f3n de un pr\u00e9stamo.<\/p>\n<p>Pero el cierre federal en curso significa que muchos solicitantes probablemente tendr\u00e1n que esperar m\u00e1s para saber si califican para financiamiento respaldado por la Administraci\u00f3n de Peque\u00f1as Empresas de EE. UU.<\/p>\n<p>M\u00e1s del 60 por ciento de los empleados de la SBA est\u00e1n en licencia y la agencia federal ha hecho una pausa en el procesamiento de nuevas solicitudes para su popular garant\u00eda de pr\u00e9stamo 7 (a) y pr\u00e9stamos de desarrollo certificados 504. De hecho, todos los programas de la SBA, excepto su Programa de Pr\u00e9stamos por Desastre y la oficina del inspector general de la SBA, est\u00e1n cerrados durante el cierre. \u00bfLos dem\u00e1s? Se consideran funciones gubernamentales no esenciales.<\/p>\n<p>Es probable que los propietarios de peque\u00f1as empresas no est\u00e9n de acuerdo: los pr\u00e9stamos respaldados por la SBA son un gran negocio en Silicon Valley. En 2012, se otorgaron m\u00e1s de $205 millones en pr\u00e9stamos 7 (a) y 504 en el condado de Santa Clara, seg\u00fan una investigaci\u00f3n de Business Journal. En San Mateo, ese n\u00famero fue $85.5 millones.<\/p>\n<p>Los l\u00edderes de la industria local dicen que el impacto a\u00fan no est\u00e1 claro, pero hasta ahora el cierre no ha matado ning\u00fan acuerdo en curso.<\/p>\n<p>\u201cTenemos que informar a los prestatarios que para los acuerdos en proceso, nadie en la SBA est\u00e1 all\u00ed para revisarlos y aprobarlos\u201d, dijo Bruce Whittaker, vicepresidente senior de TMC Financing. TMC es una Compa\u00f1\u00eda de Desarrollo Certificada que se especializa en pr\u00e9stamos SBA 504, que brindan financiamiento para activos fijos como bienes ra\u00edces. \u201cCada d\u00eda que pasa, desafortunadamente, se crea una inc\u00f3gnita\u201d.<\/p>\n<p>Ken Manina, vicepresidente senior y gerente regional de ventas de Bridge Bank, con sede en San Jos\u00e9, dijo que el impacto del cierre se atenu\u00f3 un poco debido a un gran impulso para presentar pr\u00e9stamos antes del cierre. Bridge fue el prestamista n\u00famero 7 de la SBA en Silicon Valley en el a\u00f1o fiscal 2011 por n\u00famero de pr\u00e9stamos aprobados, seg\u00fan la clasificaci\u00f3n m\u00e1s reciente de Business Journal.<\/p>\n<p>&quot;Realmente aceleramos esos pr\u00e9stamos que estaban bastante avanzados en el proceso de aprobaci\u00f3n&quot;, dijo. \u201cMe reun\u00ed con muchos solicitantes para obtener las firmas. Como participante de prestamista preferido, una vez que tenga las firmas del prestatario y la aprobaci\u00f3n del banco, todo ser\u00e1 electr\u00f3nico &quot;.<\/p>\n<p>Whittaker de TMC dijo que todav\u00eda est\u00e1 enviando nuevas solicitudes electr\u00f3nicamente para ponerlas en la cola para cuando la administraci\u00f3n vuelva a estar en l\u00ednea.<\/p>\n<p>El cronograma es particularmente importante para los pr\u00e9stamos inmobiliarios 504 porque los acuerdos suelen seguir un cronograma de cierre de 60 d\u00edas.<\/p>\n<p>Hay algunas buenas noticias: Whittaker dijo que 504 acuerdos que cerraron el dep\u00f3sito en garant\u00eda entre el 14 de agosto y el 18 de septiembre y que estaban programados para financiarse en la pr\u00f3xima fecha de financiamiento (16 de octubre) a\u00fan deber\u00edan financiarse normalmente. Son los acuerdos 504 programados para financiar en la siguiente fecha de financiamiento, el 13 de noviembre, &quot;los que potencialmente podr\u00edan verse afectados si esto sigue y sigue&quot;, dijo.<\/p>\n<p>\u00bfEl resultado? \u201cCuanto m\u00e1s se prolongue, mayor ser\u00e1 la posibilidad de que los acuerdos requieran extensiones contractuales\u201d en las que los vendedores y compradores acuerdan extender un cierre, dijo.<\/p>\n<p>Manina de Bridge Bank dijo que el banco est\u00e1 preparado para extender pr\u00e9stamos provisionales a solicitantes calificados que no pueden esperar a que la SBA vuelva a estar en l\u00ednea. El banco a\u00fan no ha llegado a ese punto y solo tomar\u00eda ese camino si la SBA determinara que tales transacciones ser\u00edan elegibles para refinanciamiento.<\/p>\n<p>La SBA no ha dicho si refinanciar\u00eda o no esos acuerdos, y conseguir que alguien responda a sus preguntas no es f\u00e1cil en medio del primer cierre del gobierno en 17 a\u00f1os.<\/p>\n<p>Llam\u00e9 a la oficina de prensa de la SBA en Sacramento, donde recib\u00ed el siguiente mensaje de correo de voz del enlace de medios:<\/p>\n<p>&quot;Gracias por tu llamada. No puedo responder debido al lapso en las asignaciones que comenz\u00f3 el 1 de octubre de 2013 &quot;.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>October 8th, 2013 Shutdown leaves SBA lending in limbo In a recent article in the Silicon Valley Business Journal, the government shutdown in highlighted. Our very own, Bruce Whitaker was&#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":[25,90],"tags":[],"class_list":["post-592","post","type-post","status-publish","format-standard","hentry","category-news-updates","category-sba"],"acf":{"related_posts":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Shutdown leaves SBA lending in limbo | TMC Financing<\/title>\n<meta name=\"description\" content=\"In a recent article in the Silicon Valley Business Journal, the government shutdown in highlighted. 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