{"id":8680,"date":"2018-05-31T10:13:23","date_gmt":"2018-05-31T17:13:23","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=8680"},"modified":"2021-05-10T20:30:11","modified_gmt":"2021-05-11T03:30:11","slug":"can-a-balloon-payment-be-refinanced","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/can-a-balloon-payment-be-refinanced\/","title":{"rendered":"\u00bfSe puede refinanciar un pago global?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-8681\" src=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/06\/tmc-financing-balloon-payment-refinance.jpg\" alt=\"\" width=\"1000\" height=\"750\" srcset=\"https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/06\/tmc-financing-balloon-payment-refinance.jpg 1000w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/06\/tmc-financing-balloon-payment-refinance-300x225.jpg 300w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/06\/tmc-financing-balloon-payment-refinance-768x576.jpg 768w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/06\/tmc-financing-balloon-payment-refinance-400x300.jpg 400w, https:\/\/www.tmcfinancing.com\/wp-content\/uploads\/2018\/06\/tmc-financing-balloon-payment-refinance-16x12.jpg 16w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>Muchos propietarios de peque\u00f1as empresas se sienten atra\u00eddos por pr\u00e9stamos que tienen plazos cortos y pagos mensuales razonables, solo para descubrir que estos pr\u00e9stamos no est\u00e1n completamente amortizados y dar\u00e1n lugar a un pago global. Estas facturas finales inesperadamente grandes pueden alterar sus planes financieros y dejarlo pregunt\u00e1ndose c\u00f3mo pagarlas. La buena noticia es que existen opciones de refinanciamiento disponibles para usted si es propietario de una peque\u00f1a empresa y desea dividir ese pago final en porciones m\u00e1s peque\u00f1as y manejables.<\/span><\/p>\n<h3><b>\u00bfQu\u00e9 es un pago global y por qu\u00e9 deber\u00eda considerar la posibilidad de refinanciar? <\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Un pago global es una factura considerable que vencer\u00e1 al final de ciertos pr\u00e9stamos comerciales a corto plazo que no est\u00e1n completamente amortizados. Esto permite pagos bajos a lo largo de la vigencia del pr\u00e9stamo, pero luego se acumula o \u201caumenta\u201d en una suma final considerable. Los propietarios de peque\u00f1as empresas que han estado haciendo reembolsos manejables en el transcurso de cinco o seis a\u00f1os podr\u00edan terminar repentinamente con un \u00faltimo pago repentino y muy grande. Para evitarlo, la refinanciaci\u00f3n es una buena opci\u00f3n. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Refinanciar un pago global puede permitirle amortizar todo el pago global durante la vigencia de un nuevo pr\u00e9stamo. Esto extender\u00e1 la cantidad durante un per\u00edodo de tiempo m\u00e1s largo, lo que le permitir\u00e1 optimizar mejor su flujo de efectivo mensual. Como propietario de una peque\u00f1a empresa, refinanciar su pago global puede permitirle invertir m\u00e1s dinero en las necesidades inmediatas de su empresa. <\/span><\/p>\n<h3><b>\u00bfPor qu\u00e9 refinanciar con un pr\u00e9stamo 504?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Una opci\u00f3n ideal para refinanciar un pago global ser\u00eda solicitar un pr\u00e9stamo 504, que est\u00e1 totalmente amortizado y dirigido espec\u00edficamente a propietarios de peque\u00f1as empresas. El pr\u00e9stamo 504 es administrado por un <\/span><a href=\"https:\/\/www.tmcfinancing.com\/es\/what-is-a-certified-development-company\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Empresa de desarrollo certificada<\/span><\/a><span style=\"font-weight: 400;\"> (CDC), y los pr\u00e9stamos se otorgan junto con un prestamista convencional que proporciona 50% o m\u00e1s del total. Una vez que elija su CDC, le facilitar\u00e1n el pr\u00e9stamo de la SBA por hasta 40%, o $5 millones ($5.5 millones para proyectos de manufactura), a una <\/span><a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-rates\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">tipo de inter\u00e9s fijo<\/span><\/a><span style=\"font-weight: 400;\">, normalmente por debajo de la tasa actual del mercado. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tambi\u00e9n puede utilizar un pr\u00e9stamo 504 para: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Compra de terrenos o edificios<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Construir, renovar o mejorar edificios<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Adquiera equipos con una vida \u00fatil de diez a\u00f1os o m\u00e1s.<\/span><\/li>\n<\/ul>\n<h3><b>\u00bfC\u00f3mo puede ayudarlo un CDC?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Un CDC trabaja en conjunto con instituciones financieras convencionales para brindar opciones de financiamiento o refinanciamiento para su peque\u00f1a empresa. A trav\u00e9s de un conocimiento profundo de los pr\u00e9stamos comerciales y la Administraci\u00f3n de Peque\u00f1as Empresas, un CDC como TMC Financing puede ayudarlo a navegar el proceso de refinanciamiento de su pago global con un pr\u00e9stamo 504. Ellos le ayudar\u00e1n a precalificar, postularse y asesorarle durante todo el proceso de principio a fin. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Puede obtener m\u00e1s informaci\u00f3n sobre c\u00f3mo refinanciar su pago global en uno de los <\/span><a href=\"https:\/\/www.tmcfinancing.com\/es\/\"><span style=\"font-weight: 400;\">Financiamiento TMC<\/span><\/a><span style=\"font-weight: 400;\">504 expertos en pr\u00e9stamos. TMC es un prestamista certificado Premier de la SBA y un proveedor de pr\u00e9stamos de gran volumen. Con m\u00e1s de 35 a\u00f1os de experiencia, TMC puede ayudarlo a encontrar el mejor financiamiento para usted y guiarlo a trav\u00e9s del proceso de pr\u00e9stamo 504. <\/span><a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\"><span style=\"font-weight: 400;\">P\u00f3ngase en contacto con TMC Financing hoy<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p><span style=\"font-weight: 400;\">There are refinancing options available to you if you are a small business owner who wants to break up that final payment into smaller, more manageable chunks.<\/span><\/p>","protected":false},"author":19,"featured_media":8681,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[141,178],"tags":[],"class_list":["post-8680","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 v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can A Balloon Payment Be Refinanced? 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