{"id":931,"date":"2011-10-18T00:00:00","date_gmt":"2011-10-18T07:00:00","guid":{"rendered":"http:\/\/tmcfinancing.wpengine.com\/tmc-feature-credit-union-tech-2\/"},"modified":"2021-05-10T20:29:02","modified_gmt":"2021-05-11T03:29:02","slug":"tmc-feature-credit-union-tech","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/tmc-feature-credit-union-tech\/","title":{"rendered":"Funci\u00f3n TMC - Tecnolog\u00eda de cooperativas de cr\u00e9dito"},"content":{"rendered":"<div class=\"padding\">\n<div>18 de octubre de 2011<\/div>\n<h2 class=\"post\">Funci\u00f3n TMC - Tecnolog\u00eda de cooperativas de cr\u00e9dito<\/h2>\n<p>Publicado en: <a href=\"https:\/\/www.cunews.com\/index.php?option=com_content&amp;view=article&amp;id=389&amp;Itemid=389\">Charla t\u00e9cnica de la cooperativa de cr\u00e9dito<\/a><\/p>\n<p>El programa de pr\u00e9stamos 504 de la Administraci\u00f3n de Peque\u00f1as Empresas de EE. UU. Est\u00e1 dise\u00f1ado para proporcionar financiamiento para la compra de activos fijos, que generalmente significa bienes ra\u00edces, edificios y maquinaria, a tasas de inter\u00e9s fijas por debajo del mercado. El programa 504 funciona distribuyendo el pr\u00e9stamo entre tres partes. El propietario de la empresa es responsable de un m\u00ednimo de 10%, un prestamista convencional (normalmente una instituci\u00f3n financiera) deposita 50% y una denominada Empresa de Desarrollo Certificada (CDC) deposita el 40% restante. Las cooperativas de ahorro y cr\u00e9dito de todo el pa\u00eds est\u00e1n participando en este programa altamente beneficioso, incluida Redwood Credit Union, con sede en Santa Rosa, CA. Si bien hay unos pocos cientos de CDC de este tipo en todo el pa\u00eds, Redwood CU ha optado por asociarse con uno de los CDC m\u00e1s antiguos y respetados del pa\u00eds: TMC Financing.<\/p>\n<p>Tory Ponsford, prestamista comercial de la SBA en Redwood Credit Union, tiene m\u00e1s de doce a\u00f1os de experiencia en pr\u00e9stamos comerciales y dos a\u00f1os en la cooperativa de cr\u00e9dito. Explica que &quot;he trabajado con varios CDC a lo largo de los a\u00f1os, y TMC es, con mucho, el mejor con el que tengo el placer de trabajar&quot;. Ponsford no est\u00e1 solo en su opini\u00f3n: TMC ha sido el prestamista #1 SBA 504 en el norte de California durante m\u00e1s de una d\u00e9cada, adem\u00e1s de ser el prestamista #1 SBA 504 tanto en Los \u00c1ngeles como en Las Vegas. El equipo de pr\u00e9stamos comerciales de Redwood CU aprecia la meticulosidad y el profesionalismo de TMC. Seg\u00fan Ponsford, &quot;TMC nos ofrece paquetes de pr\u00e9stamos muy completos que est\u00e1n muy bien documentados&quot;. Ya sea un dise\u00f1ador de interiores, un restaurante o un abogado, por ejemplo, TMC tiene todo el papeleo en orden para cada negocio y est\u00e1 completamente organizado. Ponsford se\u00f1ala que &quot;podemos contar con TMC para ayudarnos a realizar transacciones fluidas de manera constante debido en parte al hecho de que siempre mantienen abiertas las l\u00edneas de comunicaci\u00f3n&quot;.<\/p>\n<p>Debido a que TMC tiene m\u00e1s de 30 a\u00f1os de experiencia y ha proporcionado m\u00e1s de $6.4 mil millones en financiamiento para m\u00e1s de 3.900 empresas en California y Nevada, sus sistemas son altamente avanzados y sofisticados. Ponsford afirma que &quot;TMC es muy eficiente en sus operaciones y se nota en el volumen de pr\u00e9stamos&quot;. El Departamento de Pr\u00e9stamos de Redwood Credit Union utiliza el sitio web f\u00e1cil de usar de TMC para descargar de forma segura los documentos del pr\u00e9stamo seg\u00fan sea necesario. Ponsford confirma que la presencia en l\u00ednea de TMC est\u00e1 &quot;bien dise\u00f1ada, encriptada y ha funcionado sin problemas para nosotros&quot;.<\/p>\n<p>El estatus de l\u00edder en la industria de TMC hizo que Redwood CU fuera una opci\u00f3n f\u00e1cil para trabajar con ellos, pero su personal tambi\u00e9n marca una gran diferencia. Ponsford dice que &quot;no hemos tenido ning\u00fan problema con su apoyo, de hecho, los gerentes de proyectos de TMC han sido muy receptivos en todo momento&quot;. El \u00faltimo consejo de Ponsford para las cooperativas de ahorro y cr\u00e9dito: &quot;Es excelente trabajar con TMC y los recomiendo a cualquier cooperativa de ahorro y cr\u00e9dito que desee participar en los pr\u00e9stamos 504 de la SBA&quot;.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>October 18th, 2011 TMC Feature &#8211; Credit Union Tech As Published in : Credit Union tech-talk The US Small Business Administration 504 Loan program is designed to provide financing for&#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":[223,25,192,186,195,89],"tags":[],"class_list":["post-931","post","type-post","status-publish","format-standard","hentry","category-location","category-news-updates","category-northern-california","category-san-mateo","category-south-baypeninsulacoastside","category-tmc"],"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>TMC Feature - Credit Union Tech | TMC Financing<\/title>\n<meta name=\"description\" content=\"The US Small Business Administration 504 Loan program is designed to provide financing for the purchase of fixed assets, which usually means real estate, buildings and machinery, at below market, fixed interest rates. 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