Employee Retention Credit (ERC / ERTC) IRS Tax Refund Services from Disaster Loan Advisors™’s Post

SBA 504 Loan Terms: What to Know Before You Apply https://lnkd.in/gQebej8v SBA 504 loans can provide significant support for small businesses looking to expand or update their operations. These loans offer long-term, fixed-rate financing for major fixed assets such as real estate and equipment. Understanding SBA 504 loan terms is essential for business owners considering this program. This article explains the eligibility requirements, loan terms, and application process – helping business owners understand the steps to secure funds for their business growth. Key Takeaways of SBA 504 Loan Terms - SBA 504 loans offer long-term financing for small businesses to buy real estate or equipment, with loan amounts up to $5.5 million and terms of 10, 20, or 25 years. - Eligible businesses must have a net worth under $15 million, average net income below $5 million for two years, and occupy at least 51% of the property financed. - Interest rates for SBA 504 loans typically range from 5% to 7%, with rates tied to 10-year U.S. Treasury notes. - The application process involves working with a Certified Development Company (CDC), gathering required documents, and submitting forms to the SBA for approval. - Prepayment penalties may apply if the loan is paid off early, but fixed rate options provide stability for borrowers throughout the loan term. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan Fees: Breaking Down the Costs https://lnkd.in/gxY_Tnrn Business owners often feel overwhelmed by the fees associated with SBA 504 loans. These loans can be a game-changer for small businesses looking to finance major assets, but understanding the costs is crucial. This guide breaks down SBA 504 loan fees, making them easier to grasp for entrepreneurs. Key Takeaways of SBA 504 Loan Fees - SBA 504 loans include various fees like the SBA Guarantee Fee (0.5% to 3.75%), Funding Fee (0.5% to 3.75%), and CDC Processing Fee (usually 1.5% of the loan amount). - Other costs include Application Fee ($1,000 to $2,500), Commitment/Closing Fee (1.5% to 2.5% of CDC’s share), and yearly CDC Service Fee (0.625% to 1.5% of outstanding balance). - Fee waivers and discounts are available for rural areas, veteran-owned businesses, disaster recovery projects, and energy efficiency improvements. - The SBA eliminated most fees for 504 loans in fiscal year 2023 but reinstated some at reduced rates for 2024, like the 0.125% SBA guarantee fee. - Business owners should ask for detailed fee breakdowns from lenders or CDCs to understand the full cost of their loans and avoid surprises. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan Rates: Understanding Costs and Trends https://lnkd.in/g2dZDQ6r Small business owners often struggle to find affordable financing for major assets. SBA 504 loans offer long-term, fixed-rate funding for purchasing land, buildings, or equipment. This guide breaks down SBA 504 loan rates, helping you understand how they work and their benefits. Key Takeaways of SBA 504 Loan Rates - SBA 504 loans offer fixed rates for 10, 20, or 25 years, with current rates around 3.5% to 3.8% as of 2023. - These loans require only 10% down from the business owner, with 50% from a bank and 40% from a CDC. - Loan rates are tied to 10-year U.S. Treasury rates and change monthly based on market conditions. - Businesses must have a net worth under $15 million and average net income below $5 million to qualify. - SBA 504 loans can be used to buy land, buildings, or equipment, but not for working capital or inventory. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan for Business Expansion: Fueling Growth https://lnkd.in/g2rEttvg Many small business owners struggle to secure funding for expansion. The SBA 504 loan program offers long-term, fixed-rate financing for major fixed assets. This guide explains how SBA 504 loans for business expansion can help you grow your company. Key Takeaways of SBA 504 Loan For Business Expansion - SBA 504 loans offer long-term, fixed-rate financing for major business assets like land, buildings, and equipment. - Eligible businesses must be for-profit, operate in the U.S., and have a net worth under $15 million and average net income below $5 million after taxes for the past two years. - These loans provide up to $5.5 million in funding with low down payments (10-20%), below-market interest rates, and repayment terms of 10-25 years. - The application process involves working with a Certified Development Company (CDC) and submitting financial documents, business plans, and other required paperwork. - Refinancing options are available for existing debt, allowing businesses to lower monthly payments and free up cash for growth. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan Maturity: Understanding Terms and Payback https://lnkd.in/gFKqENhk Small business owners often struggle to secure affordable, long-term financing for major assets. The SBA 504 loan program offers a solution, providing fixed-rate funding for up to 25 years. This article breaks down the SBA 504 loan maturity terms, requirements, and options. It’s a must-read for entrepreneurs looking to grow their business. Key Takeaways of SBA 504 Loan Maturity - SBA 504 loans offer fixed-rate funding up to $5.5 million for small businesses, with 10% down payment for most projects. - Loan terms vary: 10 years for equipment, 20 or 25 years for real estate, with interest rates around 3% of total debt. - Businesses must meet size limits, have net worth under $15 million, and average net income under $5 million for the past two years. - The 90% Rule requires borrowers to use at least 90% of the loan for its intended purpose, such as occupying 90% of purchased space. - Application process involves working with a Certified Development Company and bank, taking 65 to 75 days for real estate projects. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan Down Payment: How Much Is Required? https://lnkd.in/gK8FhFvy Securing funding for a small business can be challenging. SBA 504 loans provide an appealing option, with down payments typically starting at 10% of the project cost. This article explains the SBA 504 loan down payment requirements, helping business owners understand their options. The process can be clarified as follows. Key Takeaways of SBA 504 Loan Down Payment - SBA 504 loans typically require a 10% down payment, but this can increase to 15% for new businesses or 20% for special-use properties. - Down payment sources include personal savings, angel investors, and Rollover as Business Startups (ROBS) plans using retirement funds. - Collateral plays a key role in SBA 504 loans, potentially lowering down payment requirements if strong assets are provided. - SBA 504 loans offer lower down payments and higher loan amounts (up to $15 million) compared to SBA 7(a) loans, which have more flexible uses but smaller loan limits. - The SBA 504 loan application process involves working with a Certified Development Company (CDC) and a traditional lender, requiring careful preparation of financial documents and project details. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan Eligibility: Who Can Apply? https://lnkd.in/geWNJeGS Securing financing for business growth can be challenging for small enterprises. The SBA 504 loan program provides long-term, fixed-rate funding for major fixed assets that support business expansion and job creation. This article explains the SBA 504 loan eligibility requirements, helping business owners understand if they qualify. Business owners can explore their options to determine if this program suits their needs. Key Takeaways of SBA 504 Loan Eligibility - SBA 504 loans help small businesses buy fixed assets like land, buildings, and equipment. - To qualify, businesses must have less than $15 million in net worth and under $5 million in average net income after taxes for the past two years. - Owners must be U.S. citizens or permanent residents, and the business must be for-profit. - Loans can cover up to 90% of project costs with repayment terms of 10, 20, or 25 years. - Green projects and debt refinancing have special rules that may offer better loan terms. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Loan Process: A Guide for Business Owners https://lnkd.in/gqQYghDA Securing funding for business expansion can be challenging. The SBA 504 loan process offers a solution for small businesses looking to finance major fixed assets. This guide breaks down the steps involved in obtaining an SBA 504 loan. It provides clear, actionable advice for completing the application process. Key Takeaways of SBA 504 Loan Process - SBA 504 loans offer long-term, fixed-rate financing for small businesses to buy real estate or equipment with only 10% down payment. - Eligible businesses must be for-profit, have a net worth under $15 million, and average net income below $5 million for the past two years. - The loan process involves prequalification, application submission, approval, and closing, working with a Certified Development Company (CDC) and a bank. - Interest rates for SBA 504 loans average around 3%, linked to 10-year U.S. Treasury notes, with loan terms of 10, 20, or 25 years. - Accurate documentation and clear communication with the CDC are key to a successful loan application and approval process. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

SBA 504 Maximum Loan Amount: How Much Can You Borrow? https://lnkd.in/gNjDaN2j Many small business owners struggle to understand the maximum loan amount they can access through SBA 504 loans. The SBA 504 loan program offers up to $5 million for most businesses and $5.5 million for manufacturers. This article breaks down the SBA 504 loan maximum amount, eligibility requirements, and key features to help you make informed decisions. Key Takeaways of SBA 504 Loan Maximum Amount - SBA 504 loans offer up to $5 million for most businesses and $5.5 million for manufacturers. - Eligible firms must have a net worth under $15 million and average yearly earnings below $5 million after taxes. - These loans provide fixed interest rates and long repayment terms of 10, 15, 20, or 25 years. - Borrowers only need to put down 10% of the project cost, making large purchases more affordable. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding

How Does an SBA 504 Loan Work? Key Insights for Borrowers https://lnkd.in/gJDrVqzJ Securing funding for business growth can be challenging for many entrepreneurs. The SBA 504 loan program offers a solution, providing long-term, fixed-rate financing for major fixed assets. This comprehensive guide will explain how SBA 504 loans work, breaking down the eligibility requirements, application process, and benefits. This information can help entrepreneurs understand the potential of this financing option for their business. Key Takeaways of How Does SBA 504 Loan Work - SBA 504 loans help small businesses buy real estate or equipment with low 10% down payments and fixed interest rates for up to 25 years. - These loans use a 50-40-10 model: 50% from a bank, 40% from a Certified Development Company (CDC), and 10% from the borrower. - Businesses must be for-profit, have a net worth under $15 million, and average net income under $5 million for the past two years to qualify. - Loan amounts can reach $5.5 million for manufacturing and energy-efficient projects, with terms of 10, 20, or 25 years. - The application process involves working with a CDC, gathering financial documents, and undergoing a credit review before approval and funding. Invest in Your Business with the SBA 504 Loan Program: Affordable Long-Term Financing for Big Opportunities! The SBA 504 Loan Program is the ultimate solution for small business owners ready to make long-term investments in their growth. Whether you’re planning to purchase commercial real estate, upgrade facilities, or acquire essential equipment, this program offers the tools to achieve your goals with unmatched affordability and flexibility. Unlike traditional loans, SBA 504 Loans focus on helping small business owners invest in their future with terms that prioritize sustainability and growth. Schedule Your SBA 504 Loan Consultation Now https://lnkd.in/e8duBvFy #SBA504 #SBA #SBALoan #SBALoans #BusinessLoans #Financing #Lending #Credit #Funding