{"id":6771,"date":"2017-08-31T22:37:31","date_gmt":"2017-09-01T05:37:31","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/\/?p=6771"},"modified":"2021-05-10T20:29:44","modified_gmt":"2021-05-11T03:29:44","slug":"what-is-the-difference-between-the-504-loan-and-the-7a-loan","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/what-is-the-difference-between-the-504-loan-and-the-7a-loan\/","title":{"rendered":"\u00bfCu\u00e1l es la diferencia entre el pr\u00e9stamo 504 y el pr\u00e9stamo 7 (a)?"},"content":{"rendered":"<p>[vc_row][vc_column][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-6772\" src=\"https:\/\/www.tmcfinancing.com\/\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-1024x683.jpg\" alt=\"\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-1024x683.jpg 1024w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-300x200.jpg 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-768x512.jpg 768w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-400x267.jpg 400w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-1536x1024.jpg 1536w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-2048x1365.jpg 2048w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-16x12.jpg 16w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-270x180.jpg 270w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2017\/08\/josefa-ndiaz-312261-975x650.jpg 975w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>As a small business owner hoping to invest in a facility, you might have come across the Small Business Administration\u2019s (SBA) 504 and 7(a) loans in your quest for financing options. How do you know which one to choose? How do these two loans differ and what similarities do they have? It\u2019s important to have a clear understanding of both options before beginning the application process.<\/p>\n<p><b>What You Can Do With 504 and 7(a) Loans<\/b><\/p>\n<p>Let\u2019s start by looking at the purpose of these loans. They are both dedicated to supporting small businesses and helping them grow, but one might be more useful to you than the other based on your unique needs.<\/p>\n<p><i>The 504 Loan <\/i><\/p>\n<p>The 504 loan is intended for purchases that have permanent or long-lasting value. With a 504 loan, you can:<\/p>\n<ul>\n<li>Purchase land or existing buildings<\/li>\n<li>Construct new facilities<\/li>\n<li>Renovate or convert existing facilities<\/li>\n<li>Improve property with utilities, parking lots, landscaping, etc.<\/li>\n<li>Buy machinery or equipment with a long service life (10+ years)<\/li>\n<\/ul>\n<p><i>The 7(a) Loan<\/i><\/p>\n<p>With a 7(a) loan, it\u2019s possible to:<\/p>\n<ul>\n<li>Pay operational expenses or accounts payable<\/li>\n<li>Purchase necessary inventory, machinery or equipment<\/li>\n<li>Obtain seasonal financing or contract performance<\/li>\n<li>Purchase land or existing buildings<\/li>\n<li>Construct new facilities<\/li>\n<li>Renovate or convert existing facilities<\/li>\n<li>Improve property with utilities, parking lots, landscaping, etc.<\/li>\n<li>Finance exports<\/li>\n<li>Establish a new business or assist in the acquisition, operation or expansion of an existing business<\/li>\n<\/ul>\n<p>You will notice there are a few points of overlap between the programs. Both the 504 and the 7(a) can be used to purchase equipment or real estate, construct a new building, or renovate an existing facility. Both loans can be <a href=\"https:\/\/www.tmcfinancing.com\/\/refinancing-commercial-real-estate-loan-sba-504-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">used for refinancing<\/a> as well.<\/p>\n<p><b>How You Get 504 and 7(a) Loans<\/b><\/p>\n<p>Once you decide which loan is right for you and your growing business, it\u2019s time to look into the conditions of the loan. Where does the financing come from? How much do you put as a down payment for each?<\/p>\n<p>The SBA 7(a) loan program underwrites loans up to $5 million made entirely by conventional financial institutions. The SBA can guarantee as much as 85% on loans of up to $150,000 and 75% on loans of more than $150,000. SBA&#8217;s maximum exposure amount is $3,750,000. Thus, if a business receives an SBA-guaranteed loan for $5 million, the maximum guarantee to the lender will be $3,750,000 or 75%. The terms and conditions of the loan are determined in conjunction with the lender.<\/p>\n<p>Often, personal property is used as collateral, which can be off putting for many borrowers as they are not keen on mingling their personal and business assets.<\/p>\n<p>A 504 loan, on the other hand, has three parts:<\/p>\n<ul>\n<li>There is a loan from a conventional lender, guaranteed by the SBA, with terms, including the amount of the loan, agreed on by you and that lender. This loan often covers 50% of the total loan. The conventional lender is the first lien.<\/li>\n<li>You receive a second loan from the SBA, facilitated by a Certified Development Company (CDC). A CDC is a nonprofit organization set up specifically to take part in the 504 loan program. It ensures fully amortized loans at <a href=\"https:\/\/www.tmcfinancing.com\/\/sba-504-rates\/\">below-market rates<\/a>. Their loan can account for up to 40% of the loan total, up to $5 million, or $5.5 for manufacturing and green projects.<\/li>\n<li>Finally, you provide a 10% down payment.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_round_chart stroke_width=&#8221;2&#8243; tooltips=&#8221;&#8221; values=&#8221;%5B%7B%22title%22%3A%2250%25%20-%20Bank%22%2C%22value%22%3A%2250%22%2C%22color%22%3A%22blue%22%7D%2C%7B%22title%22%3A%2240%25%20-%20CDC%22%2C%22value%22%3A%2240%22%2C%22color%22%3A%22turquoise%22%7D%2C%7B%22title%22%3A%2210%25%20-%20Borrower%22%2C%22value%22%3A%2210%22%2C%22color%22%3A%22green%22%2C%22custom_color%22%3A%22%23555555%22%7D%5D&#8221;][vc_column_text]The two loan programs <a href=\"http:\/\/sbacomplete.com\/wp-content\/uploads\/2012\/01\/7a-vs-504-comparison.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">can be compared<\/a> in the table below:<\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><b>SBA 7(a) loan<\/b><\/td>\n<td><b>SBA 504 loan<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Use<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Purchase, improvement, or construction of real estate, purchase of equipment\/furnishings, working capital, inventory<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Purchase, improvement, or construction of real estate, purchase of equipment\/furnishings<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Amount of loan<\/b><\/td>\n<td><span style=\"font-weight: 400;\">$5 million maximum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The SBA second loan (40% of project) cannot exceed $5 million or $5.5 million for projects with energy efficiencies implemented. \u00a0There is no limit to the first loan or total project size. <\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Collateral<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Assets acquired + personal property<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Assets acquired <\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Terms <\/b><\/td>\n<td><span style=\"font-weight: 400;\">10-25 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10 or 20 years <\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Rates<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Predominantly variable, tied to Prime <\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fixed, below-market rates<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Down payment<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Negotiable, \u00a010%-15% minimum<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10% minimum (15% for hospitality ventures and startups)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Fees<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Paid out of pocket; usually 2.75%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Included in the SBA loan; approximately 2.15%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The characteristics that often incline borrowers to lean towards the 504 loan include: the fixed variable rate, the fact that no additional collateral is required, and the favorable fees. The fees on a 7(a) loan get considerably larger with larger projects so from a fee perspective, the 504 loan is less expensive.<\/p>\n<p>Besides providing a portion of your 504 loan, your CDC can help you find a conventional lender to work with and can be an invaluable source of information and guidance throughout the loan process.<\/p>\n<p><a href=\"https:\/\/www.tmcfinancing.com\/\/\" target=\"_blank\" rel=\"noopener noreferrer\">TMC Financing<\/a>\u00a0is an SBA Premier Certified Lender and a high-volume loan provider. We have been helping business owners reach their goals for 35 years. Whether you are just beginning to explore your opportunities for financing or you have long experience with business loans,\u00a0<a href=\"https:\/\/www.tmcfinancing.com\/\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer\">contact a TMC loan expert<\/a>\u00a0to find out more about the 504 loan.<br \/>\n[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p><span style=\"font-weight: 400;\">Tanto el pr\u00e9stamo 504 como el pr\u00e9stamo 7 (a) est\u00e1n dedicados a apoyar a las peque\u00f1as empresas y ayudarlas a crecer, pero uno podr\u00eda ser m\u00e1s \u00fatil para usted que el otro seg\u00fan sus necesidades \u00fanicas. <\/span><\/p>","protected":false},"author":19,"featured_media":6772,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,178],"tags":[],"class_list":["post-6771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-education","category-sba-101"],"acf":{"related_posts":null},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is the Difference Between the 504 Loan and the 7(a) Loan?<\/title>\n<meta name=\"description\" content=\"How do you know which one to choose? 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TMC es una empresa de desarrollo certificada que proporciona financiaci\u00f3n de bienes ra\u00edces comerciales a propietarios de peque\u00f1as empresas a trav\u00e9s del Programa de pr\u00e9stamos 504 de la SBA. TMC se ubica constantemente entre las principales empresas de desarrollo certificadas a nivel nacional y ha financiado proyectos por valor de m\u00e1s de $9 mil millones en California y Nevada. Cerca de 5.000 peque\u00f1as empresas se han beneficiado de este financiamiento, lo que ha dado lugar a la creaci\u00f3n de unos 50.000 puestos de trabajo. TMC es tambi\u00e9n el prestamista hotelero n\u00famero 1 de la SBA 504 en los Estados Unidos. Barbara tambi\u00e9n es la fundadora de Working Solutions, un microcr\u00e9dito del \u00c1rea de la Bah\u00eda cuya misi\u00f3n es proporcionar a los microempresarios, en particular a las personas de bajos ingresos, las mujeres y las minor\u00edas, el acceso al capital y los recursos que necesitan para iniciar un negocio exitoso.","url":"https:\/\/www.tmcfinancing.com\/es\/author\/barbara-morrison\/"}]}},"_links":{"self":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts\/6771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/comments?post=6771"}],"version-history":[{"count":0,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/posts\/6771\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/media\/6772"}],"wp:attachment":[{"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/media?parent=6771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/categories?post=6771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.tmcfinancing.com\/es\/wp-json\/wp\/v2\/tags?post=6771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}