债务再融资计划

Small Businesses Can Refinance 商业 Mortgage and Other Business Debt Under the SBA 504十大正规赌平台平台计划.

Small business owners can lighten their monthly debt payments and access equity trapped in commercial real estate holdings by refinancing conventional real estate loans through the 无论是否扩张，SBA的504债务再融资计划.

根据佛罗里达第一资本/第一资本金融公司提供的计划, 小企业可以利用低于市场的优势, 固定利率再融资，还款期限上升商业地产评估价值的90%，最长可达25年.

Loans made under the 504债务再融资 Program are 504 loans and are subject to all applicable SBA 504十大正规赌平台平台计划 requirements.

504概述和资格

504债务再融资 WITHOUT Expansion

504 loan proceeds are to be used to refinance qualified debt with no money going toward expansion.
对于仅对长期固定资产债务进行再融资的借款人(无套现), 最高LTV为符合条件的固定资产公允市场价值的90%.
合格的固定资产包括土地, buildings, 购置的机器和设备, 由小型企业为其经营活动而建造或改进的.
借款人还可以为符合条件的业务运营费用再融资(套现选项)。, however a maximum of 85% LTV applies and the business operating expenses portion of the project may 不超过担保该合格债务的合格固定资产价值的20%.
Eligible business operating expenses include any other expenses of the business that are not capital expenditures (e.g.工资、租金、水电费、存货等.)，但 not paid prior to the date of the refinance application or that will become due for payment within 18 months after the date of application.
债务不包括在合格的业务费用中, except debt that was incurred with a credit card or a business line of credit may be included if the credit card or business line of credit is issued in the name of the small business and the applicant certifies that 债务再融资 was incurred exclusively for business related purposes.

504债务再融资 WITH Expansion

Debt refinancing with expansion is a strong option for small business owners looking to grow and expand their operations and reduce commercial debt at the same time.

The maximum LTV is 90% of the fair market value of the eligible fixed asset(s) (no cash-out option).
如果一个项目包括收购，那么它就包含了扩张, 土地的建设或改良, 供借方使用的建筑物或设备.
Any amount of existing qualified debt that does not exceed 100% of the cost of the expansion may be refinanced.
The debt being refinanced will be added to the expansion cost to establish the total project costs.

对现有政府担保债务进行再融资

SBA 504 refinance projects with or without expansion may include federally-guaranteed debt under the following conditions:
对于现有的504十大正规赌平台平台, either both the third party loan (1st mortgage) and the SBA 504 loan (2nd mortgage) must be refinanced, 否则第三方十大正规赌平台平台必须全额偿还.
对于现有的7(a)十大正规赌平台平台, the Certified Development Company must verify in writing that the present lender is either unwilling or unable to modify the current payment schedule. The 现有的7(a)十大正规赌平台平台可全部或部分再融资.
同一机构债务的情况下, if the third party lender or the Certified Development Company affiliate is the 7(a) lender, 十大正规赌平台平台将有资格504再融资只有如果 the lender is unable to modify the terms of the existing loan because a secondary market investor will not agree to modified terms.
The refinancing of any federally-guaranteed debt must provide a “substantial benefit” to the borrower – minimum 10% savings on the new installment amount attributable to 债务再融资.

资格标准

At least 75% of the original loan was used to acquire, construct or improve fixed assets.
The borrower must have been in business for 2 years prior to submission of the refinance application and been in operation for all of the 2-year period ending on the date of application, as evidenced by the financial statements submitted at the time of application. 如果借款人的所有权在这2年期间发生了变化，佛罗里达州 First Capital/First Capital Finance will determine whether the borrower is considered a new business based on the following: “new business is a business that is 2 years 十大正规赌平台平台被批准时的年龄或年龄更小. A business that is more than 2 years old at the time the loan is approved may be considered a new business if it is a change of 所有权将导致新的, 未经证实的所有权/管理权以及与业务运营无关的债务增加.”
The qualified debt was incurred not less than 6 months prior to the date of the application and has been secured by eligible fixed asset(s) for at least 6 months.
An independent appraisal of the fair market value of the project assets and any additional assets offered as additional collateral must be provided. 评估不是在申请时需要, but are required prior to closing and must be dated no earlier than 1 year prior to the date the application was approved by the SBA.

十大正规赌平台平台结构/首付款时间表

Total of first and second mortgages on refinance deals will be up to 90% (85% max LTV on no expansion cash-out deals); the structure will vary depending upon the 事务. Contact 佛罗里达第一资本/第一资本金融十大正规赌平台平台专家的样本交易结构.
除了现金捐助之外, the borrower’s down payment can be satisfied by its equity in the eligible fixed asset (the 504 project).