SBA 504 商业地产十大正规赌平台平台

Your Small Business Has Big Plans. We Offer Smarter Financing to Help You Achieve Your Expansion Goals.

You specialize in small business, we specialize in small business financing. With almost 40 years’ experience in the SBA 504 Loan industry, 佛罗里达 First Capital/First Capital Finance understands the challenges unique to small businesses. We’re not only easy to work with, we’re extremely knowledgeable and well-equipped to help you achieve your goals and stay 指向了正确的方向.

你是否在扩张, 重构, 翻新或改造, with 佛罗里达 First Capital/First Capital Finance as your trusted small business lender you’ll spend less time worrying about your loan and more time doing what you do best – running your small business, creating jobs and supporting the economy.

504年概述 & 资格

Benefits of a 504 商业地产 Loan

Up to 90% financing at below-market, fixed interest rates – No future interest rate fluctuations.
Low down payment conserves valuable working capital.
10-, 20- and 25-year amortization terms available.
Associated fees and soft costs can be financed in the loan minimizing out-of-pocket costs.
Loan amounts: up to $5 million of aggregate SBA eligibility on standard and public policy 504 projects; up to $5.5 million per 504 project involving small manufacturers with no limit on the total SBA dollars available; and up to $5.5 million per 504 energy efficient green project not exceed $16.总共500万. (注:仅限小企业管理局十大正规赌平台平台金额; 有没有限制关于整体项目规模.)
Total projects from $125,000 to $20 million+.

收益的合资格用途

Acquisition of land and construction of new building.
Acquisition of land and existing building.
Remodel, convert, expand or renovate existing building.
租赁的改进.
购买改善设施, 包括分级, 大街上的改进, 公用事业公司, 停车场和园林绿化.
Energy efficient green projects (reduce energy consumption by at least 10% or generate at least 10% renewable energy).
Purchase of office furniture, fixtures and 设备.
Contingency reserve, not to exceed 10% of the construction costs.
Associated fees and soft costs (architectural and engineering fees, 评估, 环境调查, 关闭成本, 等.).
Repayment of interim points, fees and interests.

业主占用要求

Existing Buildings – Business must occupy at least 51% of the rentable property within one year of ownership; the busines may sublease up to 49% of the space.
New Construction – The applicant must occupy 60% of the rentable property, may permanently lease to a third party up to 20% and temporarily lease an additional 20% with the intention of using some of the additional 20% within 3 years and all of it within 10 years.
The applicant may form a real estate holding company that leases 100% to the operating business, which then subleases surplus space (up to 49%).

注意: 504 loan proceeds may not be used to finance working capital. 请参阅重建佛罗里达商业十大正规赌平台平台基金.