Loaʻa nā ala likeʻole e uku ai i kahiʻoihana me ka ukuʻole o nā kumukānāwai nui
Loaʻa iā mākou nā kumukūʻai pāʻoihana i hāʻawiʻia e nāʻauwai kahiko, nā hāʻawi kālā'ē aʻe , nā pānaʻi uku uku, a me nā loina SBA.
Ua lilo koke nā loans SBA i mea hoʻokūkū kaulana o kahi kālepa. Loaʻa kēia ma muli o ka hōʻoiaʻana o kēia mau loans e ka Hui Waihona Pāʻoihana. Ināʻoe e hōʻai'ē mai kahi kālepa kalepa i hōʻoiaʻiʻoʻia e ka SBA, eʻoi aku ka makemake o kaʻae e hāʻawi iāʻoe ma hope o ka hōʻoiaʻiʻoʻana inā ināʻaʻoleʻoe e uku i ka hōʻai'ē, e uku ka SBA i kekahi hapa o ka loan i ke kāleka.
Aia nāʻano likeʻole o ka pūnaewele hōʻai'ē SBA e hāʻawiʻia e ka Administration Administration Small Business. Ua komo pū lākou:
ʻO ka 7 (a) Polokalamu Loan:
ʻO kēia kekahi o nāʻano maʻalahi o nā loans kumu kūʻai SBA i loaʻa iā lākou. No kēiaʻano hōʻai'ē,ʻo ka SBA ke hōʻoia i $ 5 miliona ($ 5,000,000), he 75 pakeneka o ka huina kālā a pau.
Ma Malaki 2017, loaʻa kahi hōʻai'ē SBA 7 (a) i $ 25,000 a iʻole ke emi i ukuʻia i loko o 7 mau makahiki a iʻole ke emi i 8%. Ma kaʻaoʻao'ē aʻe, inā e ukuʻia ka hōʻai'ē hoʻokahi no ka manawa o nā makahikiʻoi aku iʻoi aku ma mua o 7 makahiki, he 8.5 pakeneka ka uku. ʻO kahi hōʻai'ē SBA 7a e hāʻule ana ma waena o $ 25,001 USD a me $ 50,000 USD a pono e ukuʻia i loko o 7 makahiki a iʻole ka emi o ka ukuʻana i 7% pālākika akā inā e ukuʻia ka hōʻai'ē i kahi manawa iʻoi aku ma mua o 7 he 7.5 pakeneka ka makahiki o ka makahiki.
Inā hoʻohana ka mea kālepa i kēia manawa no kahi hōʻai'ē SBA 7a iʻoi aku ma mua o $ 50,000 US kālā, pono lākou e uku i ka uku pāʻani 6 pakeneka ināʻo ka manawa hoʻolimalima ma lalo o 7 mau makahiki akā ināʻoi aku ka lōʻihi ma mua o 7 mau makahiki, a laila, e pāʻani ka pānaʻi uku o 6.5 pakeneka. He maikaʻi ia e hoʻomanaʻo i ka loaʻaʻole o ka palena haʻawina o nā polokalamu kī'ē SBA 7a akā e loaʻa ana he palena oʻelima miliona kālā ($ 5,000,000). Inā hoʻoemi kou noi'ē ma mua o $ 150,000, aia ka SBA e hōʻoia iāʻoe he 85 pakeneka o ka hōʻai'ē akā ināʻoi aku ka hōʻai'ē ma mua o $ 150,000, koe wale nō 75 pakeneka o ka hōʻai'ē.
He aha nā mea e pono ai e kiʻi i kahi hōʻai'ē SBA 7a?
ʻAʻole hiki i kēlā me kēia kanaka ke kūpono no ke kālā kālā SBA 7a. He mea pōʻino kēia, akā,ʻaʻole hiki iā mākou ke holo i ka pono. ʻO kaʻoiaʻiʻo,ʻaʻole hiki iā kākou ke kūpono. No ke aha mai? Eia ke nānā wikiwiki nei i ke kumu e hāʻawiʻoleʻia ai kēia mau loans nei i kekahi o mākou:
- Ponoʻoe e loaʻa kahiʻoihana e holo nei no nā makahiki 2 i hala iho nei: He mea pale kēia i nā poʻeʻaʻole e lawelawe ana i kekahiʻoihana i ka lā o ke noi.
- Kālekaʻikepiliʻikepili: Loaʻa ka nui o ka helu'ai'ē i ka hoʻoholoʻana inā loaʻaʻoe i kahi hōʻai'ē SBA aʻaʻoleʻole. No kēia manawa, ponoʻoe e loaʻa i ka heluʻai heʻoi aʻe ma luna o 680 i hiki ke loaʻa nā loans SBA.
- $ 50,000'Akepili Pute no ka makahiki hope loa:ʻO kekahi mea hoʻoneʻe? ʻO ka mea nui loa,ʻo ka hapanui o mākouʻaʻole he mauʻoihana e lilo ana i kēia mea waiwai aʻo ia hoʻi, ua paʻa pono mākou i kēia koi.
ʻO nā mea i koiʻia ma kēia mea ua kāpae i kekahi o mākou mai ke komoʻana i ka 7a SBAʻoiaʻiʻo o nā loina.
He aha ka mea e hoʻoholo ai i nā kumukūʻai pili kālā no SBA 7a Loena?
He wahi koʻikoʻi kēia eʻikeʻia e kēlā mea kēia mea o kākou ma mua o ka hoʻoholoʻana inā paha e noi mai nei no kēiaʻano o ka hōʻai'ē aʻaʻoleʻole. He nui nāʻano i komo i ka pāʻani ke hiki i ka hoʻoholoʻana o ka uku kālā no nā kālā kālā 7a. Ma ka lā 1 o Malaki, 2017, eia nā mea e hoʻohanaʻia nei no ka hoʻoholoʻana i ka uku ma kēia polokalamu kālā.
- ʻO ke kumu kūmole: He pānaʻi waihona kālā no ka lehulehu a ua māheleʻiaʻo ia iʻekolu mahele; ʻo ka loiloi mua loa,ʻo ka SBA peg like a me Libor (30 mau lā) a me 3 pakeneka.
- ʻO ka wā Loan:ʻO kaʻano o ka loiloi SBA heʻelua wale no manawa e hoʻolimalimaʻia ai; malalo o 7 mau makahiki aʻoi aku paha i 7 makahiki. Inā hāʻawi kekahi i ka hōʻai'ē me ka makahiki hoʻokele o hoʻokahi makahiki aʻo kekahi e lawe i ka hōʻai'ē hoʻokahi me ka manawa o ka hoʻolimalimaʻana o nā makahikiʻeono, e hāʻuleʻelua ma lalo o 7 makahiki makahiki e hoʻolimalima ai a pēlā e hoʻohālike ai i ka uku likeʻole i ukuʻia. ʻO kahi'ē aʻe, ināʻoe e hōʻai'ē i kahi manawa o ka hoʻoponopono makahiki he 10 makahiki aʻo ka mea'ē aʻe e lawe i kēlā loina me kahi manawa hoʻolimalima o 8 mau makahiki, e pili ana ka pānaʻi maʻamau ma muli o ka wā i hala ai nā loans ma lalo o kahi manawa uku o nā makahiki he 7.
- Ka nui o ke kālā:ʻO kaʻano SAN 7a o nā loans ua hoʻokaʻawaleʻia iʻekolu: lalo $ 25,000, ma waena o $ 25,001 a $ 50,000 aʻoi aku i $ 50,000. ʻO keʻano kēia inā piliʻoe i $ 30,000 a ke uku nei au i $ 49,999; e hāʻule nei lāua ma lalo o ka māhele like ma lalo o $ 50,000. Eia nō naʻe, he mea maikaʻi e hoʻomaopopo i ka nui o ka nui o ka hōʻai'ē,ʻo ka lalo hoʻi o ka uku uku a me ka hewa.
Nā Kuleana Hulekana SBA a kūikawā
E like me nā paʻa kālā'ē aʻe ,ʻo ka 7aʻano o nā loans he mea makemake like hoʻi e like me kaʻano pānaʻi kaʻina. ʻO ka poʻe i loaʻa ka manaʻo hoʻopaneʻe, he mea ia i loko o ka manawa hoʻolimalima a pau o ka hōʻai'ē,ʻaʻole e hoʻololi ke kāleka i ka uku pānaʻi i hāʻawiʻia i ka hōʻai'ē i ka wā e hoʻokaʻaʻia ai. Eia naʻe, me kaʻanoʻokoʻa, e like me ka hoʻololiʻana o ka huina ma ka mākeke.
No ka SBA 7a loans, e hoʻonohonoho nā kāpili i ka pālākihi ukiuki ma muli o nāʻano 3 o nā'eneke kumukūʻai o ka mākele e loaʻa ana i nā lehulehu e komo pū ana; ka loiloi maʻamau, ka helu LIBOR a me ka SBA Peg. E like me ka 1st o ka makahiki i kēia makahiki,ʻo ka maʻamau o ka mākele lanakila. he 3.75 pakeneka ka loiloi mua loa, o ka lakene LIBOR he 3.79 pakeneka oiai he 1.4 pakeneka o ka SBA peg. Hiki ke hoʻololiʻia kēia mau loli mai kēlā manawa a me kēia manawa a ma muli o kēia manawa, ua'ōleloʻia he haʻahaʻa loa. I ka piʻiʻana o kēia mau huina kiʻekiʻe, piʻi kiʻekiʻe ka uku ukupaneʻi o ke kālā. Inā piʻi lākou i kahi manawa, pēlā nō ka uku paneʻe ma ka SBA 7a kālā.
ʻO ke kumukūʻai o ka laweʻana i ka SBA 7a Keʻano o nā Lina
ʻAʻole pahaʻo ka huina kālā e hoʻopili i ka nui o ka uku e ukuʻia ke laweʻia kekahi i ka SBA 7a o ka hōʻai'ē. Aia kekahi mau kumu'ē aʻe i komo i loko o ka pāʻani no kaʻikeʻana i ka nui o ka uku a ka mea noi e loaʻa. Nā lākou:
- Ke Kū'ē Kū'ē: I ke noiʻana i kahi kālā i ke kāleka aiʻole i kahi pūnaewele kālā, kūkulu ke kula i nā kumukūʻai no ka hanaʻana i ka hōʻai'ē. Hoʻoliloʻia kēia mau koina i ka mea noi. ʻO kēlā me kēia pūnaewele kālā i kēia manawa heʻimi hoʻoilina kahi i 4%. ʻO ke kumu kēia inā pili kekahi i kahi kālā no $ 100,000, e loaʻa iā lākou he 4 pakeneka o ka huina kālā wale nō.
- ʻO ka uku hōʻai'ē:ʻO kēia uku i uku muaʻia e ka mea hāʻawi aku i ka SBA inā loaʻa lākou iāʻoe e noi no ka hōʻai'ē akā i ka pauʻana, pono e lawe ka mea noi i ke kaumaha o ka uku uku. I kēia manawa, ua hoʻokuʻuʻia ka uku hōʻai'ē no nā loina i emi iho ma lalo o $ 150,000 i ka SBA. Eia naʻe,ʻaʻohe loina iʻoi aku ma mua o ka mea i hoʻopaʻaʻia me kahi uku hōʻai'ē ma waena o 3 pakeneka a me 3.75 pakeneka. ʻO ka uku uku hōʻoia e pili ana i ka nui o ka loina a me ka manawa kūpono o ka hōʻai'ē. No keʻano he hōʻai'ē o nā $ 150,000 iʻoi aʻe ma hope o ka makahiki e hoʻolālā i kahi uku hōʻoia he 0.25 pakeneka. Inā loaʻa kāu kālā SBA 7a i ka $ 150,000 a nui i loko o kekahi wā lōʻihi iʻoi aku ma mua o hoʻokahi makahiki, e hoʻohanaʻia kahi'ōnaehana uku-ukuʻekolu no ka ukuʻana i ka uku uku. No nā kala kālā ma waena o $ 150,000 a $ 700,000; Hoʻolimalimaʻia kahi uku no ka hōʻai'ē uku. No nā kala kālā ma waena o $ 700,000 a $ 1,000,000; e ukuʻia he uku no ka hōʻoia kālā he 3.5 mau no ka meaʻoi aku ka nui o nā loans i $ 1,000,000; he uku ukuʻo 3.75 pakeneka ka uku. Ma waena o $ 150,000 a me $ 700,000; Hoʻolimalimaʻia kahi uku no ka hōʻai'ē uku. No nā kala kālā ma waena o $ 700,000 a $ 1,000,000; e ukuʻia he uku no ka hōʻoia kālā he 3.5 mau no ka meaʻoi aku ka nui o nā loans i $ 1,000,000; he uku ukuʻo 3.75 pakeneka ka uku.
- ʻO ka nui o ke kumukūʻai o ka hōʻai'ē SBA 7a kālā kālā (nā uku hoʻolimalima a me nā uku) a iʻole kekahiʻano likeʻole o ka hōʻai'ē ua kapaʻiaʻo ia ka haʻawina makahiki makahiki (APY). ʻO kēia ka huina kālā a pau e hoʻolimalima aku ai kekahi mea kālā ma hope o ka ukuʻana o ka hōʻai'ē.
ʻO ka CDC / 504 Loan
ʻO nā loans SBA CDC / 504 he mau loans lōʻihi e waiho nuiʻia ana no nā poʻe e makemake ana e hoʻokomo i ka waiwai a me nāʻano likeʻole. ʻO nā kumukūʻai uku e ukuʻia ana nāʻaʻa'āina ma luna o kēiaʻano o nā loina e ka Administration Small Business. E like me ka mahina o Malaki 2017, nā laina kūʻai ma waena o 3.93 pakeneka a me 4.57 pakeneka. Eia naʻe, ma muli o ka nui o ka hōʻai'ē e ukuʻia.
Hoʻokumu 'ia ka Loan CDC iʻelua mauʻano:
ʻO kahi kālā i loaʻa he 50 pakeneka o ka huina kālā a pau i hōʻai'ēʻia mai kahiʻoihana kālā , i kēia wā he bank, a me kahi kālā i hāʻawiʻia e kekahi hui ulu i hōʻoiaʻia he 40 pakeneka o ka huina kālā i makemakeʻia. ʻO keʻano o kēia mea, he 10% ka nui o ka huina kālā e uku ai i ka mea noi iāʻoe e like me ka mea noi.
ʻO ka uku paneʻe i ukuʻia ma kēiaʻano o ka hōʻai'ē ua emi loa ka haʻahaʻa. Ma muli o ka hāʻawiʻana o ka hōʻai'ē kāleka i ka hōʻai'ē CDC a me ka mea e waiho ana ka mea noi iā ia i loko o ka waiwai waiwai nui,ʻaʻole hiki i ke kāpena ke hoʻihoʻi i kāna kālā.
E like me nā kālā'ē aʻe'ē aʻe,ʻo ka waihona CDC / 504 kekahi mau koi e pono ai i kēlā me kēia hoa kālā e hālāwai. ʻO kēia mau mea kēia;
- Loaʻa i loko o kaʻoihana waiwai waiwai no 4 mau makahiki.
- Loaʻa i ka heluʻai hoʻopiʻi pono'ī ma luna o 680
- Loaʻa ma kahi o 10 pakeneka o ka huina kālā a pau i noiʻaiʻia e hanaʻia e like me kāu hoʻopili.
Nā kālā e pili ana i kēia manawa ma CDC / 504 Loan
Ke hāʻawiʻia nei kēia mau haʻawina ma loko o kahi manawa hoʻolimalima o 10 mau makahiki a iʻole he 20 makahiki. ʻO ka hōʻolālā pāʻokoʻa hōʻolālā o kēlā me kēia hōʻai'ē e kūkuluʻia ana ma ka waihona waiwai waihona, ka palena paʻa a me nā uku e hele nei.
Inā hāʻawiʻia kahi hōʻai'ē i loko o 10 mau makahiki,ʻo ka nui o nā uku i loaʻa nei; he kuhi waihona waihona waiwai he 5 mau no ka 2.01 pakeneka, he kuhi 0.38 pakeneka a me ka uku mau o ka 1.7 pakeneka. Eia keʻano o ka huina kālā pākahi a hoʻokahi e uku ai he 4.09 pakeneka ka hopena o ka huina kālā o ka waihona kālā, ka palena i hoʻopaʻaʻia a me nā uku o nā makahiki.
No ka manawa hoʻolimalima he 20 makahiki,ʻo ka helu kālā kālā he 10 makahiki he 2.49 pakeneka,ʻo ka hōʻemi koho he 0.48 pakeneka ka uku o nā makahiki makahiki he 1.7 pakeneka ka laweʻana i ka huina kālā he 4.67 pakeneka. He mea nui ia e hoʻomaopopo i ka nui o nā uku i hoʻopiʻiʻia e ka Certified Development Company o ka pū'ē e mau ana akā ua hiki i kekahi mahele'ē aʻe ke hoʻololi i nā manawa likeʻole keʻole ma kaʻaoʻao nui.
Loaʻa nā polokalamu kālā SBA i kēia manawa ma Malaki 2017 ma nā kumukūʻai i ho'ākākaʻia ma luna nei. No ka lōʻihi o ka hālāwaiʻana i nā koi, hiki paha iāʻoe ke hele i kahi hōʻai'ē SBA 7a a inā makemakeʻoe e komo i loko o kaʻoihana waiwai, e loaʻa hoʻi i ka CDC / 504 loan.
Inā hiki iāʻoe ke loaʻa ka mea nāna e hāʻawi i ka uku no ka guarantor i ka SBA i mua o ka mea maʻamau i ke ala maʻamau, a laila, e hoʻokumu ka SBA 7a o ka hōʻai'ē i kāuʻoihana . Ma kekahiʻaoʻao, inā makemakeʻoe e hoʻokomo i ka waiwai waiwai, hiki i ka CDC kālā ke hana iāʻoe i ka maikaʻi inā lōʻihiʻoe i ka 10 pakeneka o ka huina kālā o ke kālā i lilo iāʻoe e like me kou waihona.