Prestamos SBA y Financiamiento comercial y residencial en Florida USA

ENGLISH – ESPANOL

If you are a business owner you must know about the SBA loans (Small Business Administration), made for small businesses. To buy property there are other loan type options such as the bank statement only loans (no income tax report required) which makes a commercial property purchase quite easy.

Si eres propietario de un negocio entonces debes conocer acerca de los prestamos del Small Business Administration especialmente disenados para negocios pequenos. Para comprar propiedades comerciales existen otras opciones tales como el que solo tiene que presentar estados de cuenta de banco y no los reportes de impuestos anuales.

SBA 7(a) LOAN PROGRAM

The 7(a) Loan program is the SBA’s primary business loan program. It is the agency’s most frequently used non-disaster financial assistance program because of its flexibility in loan structure, variety of uses for the loan proceeds and availability. The program has broad eligibility requirements and credit criteria to accommodate a wide range of financing needs.

El programa de financiamiento 7(a) es el principal programa del SBA. Este prestamo es el mas usado para asistencia a pequenos negocios, en no-desastre. Tan facil por su flexibilidad para estructurarlo y la variedad de usos permitidos. Este programa tiene amplia elegibilidad y de requerimientos de credito para acomodar una variedad de necesidades financieras.

The business loans that SBA guarantees do not come directly from the Agency, but rather from banks and other approved lenders. The loans are funded by these organizations and they make the decisions to approve or deny the applicants’ request for financial assistance.

Este financiamiento no viene de la agencia directamente pues canalizado atravez de bancos y financieras aprobadas. Los prestamos son generados por estas organizaciones y ellos toman las decisiones de aprovar o negar este prestamo.

The guaranty that SBA provides the lenders reduces the lender’s risk of borrower non-payment by providing a guaranty on a percentage of the total loan. If the borrower defaults, the lender can request that SBA pay the lender that percentage of the outstanding balance which the Aagency guaranteed. This allows the lender to recover a portion of the defaulted debt from the SBA if the borrower can’t make the payments. The borrower is still obligated for the full amount.

La garantia de estos prestamos se la da el SBA atravez de un porcentaje y asi los bancos reducen su riesgo en caso de que el aplicante no pague la deuda. Si el cliente no paga el banco puede pedir al SBA que le pague el porcentaje asegurado lo que ayuda a la entidad bancaria a recuperar parte de la deuda pero el adeudor todavia debe el prestmo completo.

To qualify for an SBA guaranteed loan, a small business must meet the lender’s criteria and the 7(a) program requirements. In addition, the lender must certify that it would not provide this loan under the proposed terms and conditions without an SBA guaranty. If the SBA is going to provide a lender with a guaranty, the applicant must be eligible and creditworthy and the loan structured under conditions acceptable to the SBA.

Para calificar para este prestamo garantizado por el SBA, el negocio debe cumplir la criteria de los bancos. Ademas la institucion financiera debe certificar que no proveera el prestamo a menos que sea garantizado. Si el SBA va a garantizar el prestamo el aplicante debe ser elegible y el prestamo tiene que estar estructurado en condiciones aceptables para el SBA

What a clients needs (Lo que necesitas para calificar)

A Business Plan that includes: Plan de Negocio

  • Purpose of the loan, Proposito del prestamo
  • History of the business Historia del negocio
  • Projections of income, expenses and cash flow as well as an explanation of the assumptions used to develop these projections. Projecciones de ingresos, egresos asi como una explicacion.
  • Personal financial statements on the principal owners Estados financieros personales
  • Resume(s) of the principal owners and managers. Hoja de vida del propietairio principal
  • Amount of investment in the business by the owner(s) Monto Invertido en el negocio.
  • Projected opening-day balance sheet (new businesses) Hoja de finaciiamito
  • Lease details Detalles del prestamo residenial y commercial//
  • Proposed Collateral

Financial Statements that include:

  • Balance Sheet and Income Statement (P&L) for three years (existing businesses) (Tax Returns usually suffice)
  • Interim Financial Statements dated within 120 days of the request for assistance
  • Schedule of term debts (existing businesses)
  • Aging of accounts receivable and

This loan is financed at 90% LTV all inclusive (real estate or lease held improvements and FF&E)

For more SBA loan and other commercial or residential loan information in the State of Florida you may contact Danny Andrade, NMLS#885021 with the Florida Financial Institute in Naples, FL. We make commercial and residential loans with almost all type of credits in Naples, Estero, Bonita Springs, Fort Myers, Miami, Fort Lauderdale, Tampa, Orlando and any other Florida city.

Para mas informacion acerca de estos prestamos SBA para negocios y otro tipo de financiamiento comercial o residencial en el estado de Florida llama a Danny Andrade NMLS #885021. FInanciamos propiedades comerciales y residenciales con buen credito o mal credito.

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