lending Products
대출
우리아메리카은행 SBA 대출 프로그램은 소규모 비즈니스를 시작하거나 확장하려는 고객님들에게 제공되는 미 정부 보증 대출입니다.
대출의 종류로서는 SBA 7(a), SBA Express 그리고 SBA 504 Loan 프로그램을 제공하고 있으며, 일반대출보다 저렴한 기업대출상품입니다.
  • 상환 기간이 더욱 길어, 매달 내는 금액이 더욱 저렴합니다.
  • Down payment(납입자본금) 필수조건이 더 적어 대출 시 필요한 자금도 더욱 적습니다.
    • OUR SBA LOAN PRODUCTS
    TYPE SBA 7(a) SBA EXPRESS 504
    Type of Loan &
    Use of Proceeds
  • Term Loan
  • Working capital
  • Furniture and fixtures
  • Machinery and equipment
  • Purchase of land and building including construction and renovations
  • Business Acquisition
  • Refinancing of existing debt
  • Term Loan
  • Revolving line of credit
  • Use of proceeds: Same as 7(a)
  • Term Loan
  • Structure
  • 15% down for New or Special
  • Acquisition, Construction,
    Renovation of Building
  • Machinery & Equipment Purchase
  • Maximum Loan Amount
  • Up to $5,000M
  • Up to $350M
  • Up to $5,000M
  • Guaranty portion
  • 75%~85%
    (85%=$150M or less)
    (75%=Over $150M)
  • 50%
  • 100% of CDC portion
  • Guaranty Fee
    (based on guaranteed portion)
  • 2.0%: <$150M
  • 3.0%: $150M~700M
  • 3.5%: >$700M
  • 3.75%: If guaranty portion is over $1,000M
  • Same as 7(a)
  • 3.15%
  • Guaranteed fee: 0.5%
  • CDC Processing fee: 1.5%
  • Funding/Underwriting:1.15%
  • Maimum Maturity
  • Working Capital: 10yrs
  • Equipment: Useful life
  • Property: 20yrs
  • Mixed Use: Weighted Avg
  • Same as 7(a)
  • LOC - 7yrs including term out period
  • Property: 20yrs
  • Equipment: 10yrs
  • Collateral
  • Available collateral
    (liquidation value) up to the loan amount
  • $25M or less, no collateral required
  • Over $25M, lender may use their own collateral policies used for their non-SBA loans
  • Bank: 1st Lien
  • SBA: 2nd Lien
  • Contact Information 보다 자세한 정보는 가까운 영업점이나 콜센터 1-888-MyWoori(699-6674)로 문의하시기 바랍니다.