FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Woori America Bank

SBA 융자

 

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 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.

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