K8彩乐园-k8彩乐园app官网下载

K8彩乐园-k8彩乐园app官网下载

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SBA 504K8彩乐园利率

密切的利率

2021年12月

25年固定利率标准:
3.026%

25-Year Fixed Rate Refinance:
3.040%

20年固定利率标准:
2.880%

20-Year Fixed Rate Refinance:
2.894%

10-Year Fixed Rate Standard:
2.793%

10-Year Fixed Rate Refinance:
2.810%

Full-term fixed interest rates shown; includes all servicing fees

小企业管理局504年概述 & 资格

商业地产K8彩乐园. 机械 & 设备K8彩乐园. 绿色K8彩乐园. 债务再融资. Up to 90% fixed interest rate financing.

The Small Business Administration (SBA) 504 K8彩乐园 available through Florida First Capital/First Capital Finance provides affordable long-term capital for the purchase of capital assets, such as owner-occupied 商业地产、能源效率 绿色项目 和/或重型 机械和设备, without the high down payment requirements often associated with conventional financing programs. Borrowers can also get relief from high-interest commercial mortgage debt under the SBA’s 504 债务融资项目.

K8彩乐园结构 & 定金安排

The 504 K8彩乐园 is a 伙伴关系 program between Florida First Capital/First Capital Finance – a nonprofit SBA licensed and regulated Certified Development Company – and 商业银行. Working with participating lenders, Florida First Capital/First Capital Finance provides up to 90% financing at below-market, fixed interest rates and long amortization terms for eligible fixed asset purchases.

通常, 商业银行 provides financing for 50% of the 504 loan project and takes a first lien position; Florida First Capital/First Capital Finance/SBA provides 40% of the project financing and takes a second lien position; and the borrower provides a down payment of just 10%. There is no limit on overall project size. If a project is a start-up business (less than two years in operation) or a special purpose facility, the borrower’s down payment increases to 15%.

If a project is a special purpose facility and a start-up business, the borrower’s down payment increases to 20%. 机械 and equipment only loans may qualify with a 10% or 15% 借款人首付.

资格

  • The business must fall within the size standards set by the SBA.
  • 所有者必须是U.S. citizens or registered aliens with green card.
  • The business must be operated for profit and located in or planning to locate in Alabama (all counties), Florida (all counties) or South Georgia (Camden, 查尔顿, 托马斯和塞米诺尔 县唯一的).
  • The business must be a legal entity: corporation, 伙伴关系, sole proprietor or limited liability company.
  • The business’s tangible net worth cannot exceed $15 million.
  • The business’s average net income after Federal income taxes (excluding carry-over losses) for the two full fiscal years prior to application cannot exceed $5 million.
  • K8彩乐园 cannot be made to businesses engaged in speculation or investment in rental real estate.

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