대출의 종류로서는 SBA 7(a), SBA Express 그리고 SBA 504 Loan 프로그램을 제공하고 있으며, 일반대출보다 저렴한 기업 대출상품입니다.
- 상환 기간이 더욱 길어, 매달 내는 금액이 저렴합니다
- 일반 상용 대출 대비 Down Payment (납입자본금)가 적습니다.
Comparison Chart
| 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 SBA 7(a)
|
- Term Loan
- Structure
- 10%: Down for Borrower
- 40%: Financing from CDC
- 50%: Financing from Bank
- 15% down for New or Special
- Acquisition, Construction, Renovation of Building
- Machinery & Equipment Purchase
|
|
Maximum Loan Amount
|
Up to $5,000,000
|
Up to $500,000
|
Up to $5,000,000
|
|
Guaranty portion
|
75%~85%(85%=$150,000 or less) (75%=Over $150,000)
|
50%
|
100% of CDC portion
|
|
Guaranty Fee (based on guaranteed portion)*
|
For loans of $1,000,000 or less: 0.00%.
For loans of $1,000,001 to $5,000,000: 3.5% of the guaranteed portion of the loan up to and including $1,000,000, plus 3.75% of the guaranteed portion of the loan over $1,000,000
|
N/A
|
N/A
|
|
Maximum Maturity
|
- Working Capital : 10yrs
- Equipment : Useful life
- Property : 25yrs
- Mixed Use : Weighted Avg (Up to 25yrs)
|
- Same as SBA 7(a)
- LOC - 10yrs including term out period
|
- Property: 20yrs & 25yrs
- Equipment: 10yrs
|
*Guaranty Fee is updated annually by SBA's Information Notice.
|