855.504.LOANS
Debt Equity Grants; How to Intellegently Fund Business
by Todd A. Smith
Read an advance exerpt from this must read book due for release mid 2011. Mr. Smith explores the use of blended funding sources to sculpt a loan that "intellegenty" works for your business, maximizing leverage without crushing terms and high debt service.
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Washington, DC; Government approval for SBA 504 to restructure existing debt. Bail out for small business; while this ruling is not a panacia, it does spell out badly needed relief the the small businesses in this country. In a tight credit market, this is an effective way to lower debt service costs. Read More
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SBA 504 Rates |
Commercial Rates |
Venture Capital Angel |
||
| Interest | 6.5% |
8.25% |
Whatever the traffic will bear |
|
| Down Payment | SBA As Low A 10% |
Commercial lenders generally require 25% |
Venture Capital - may fund any percentage |
|
| Terms | SBA - up to 25 yrs |
Commercial - 15yrs |
Venture Capital - negotiable |
|
| Equity | SBA - Business retains 100% Equity |
Commercial - Business retains 100% Equity |
Venture Capital - May require surrender of controlling interest |
|
| Debt Service Costs | SBA - lowest debt service ratio |
Commercial - higher debt service ratio |
Venture Capital - the highest debt service costs |
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* This table is an illustration of terms, rates and other costs of borrowing business capital. Actual rates are based on market conditions, your credit worthiness and purpose for which are borrowing. This is intended as an example and not actual terms as your terms and rates can vary depending upon your situation. Which SBA Loan best suites your needs? Click here to see a comparison. (pick up existing 504-7a Comparison chart) |
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| SBA 504 Loans | What is an SBA 7(a) Loan | SBA 504 VS 7(a) Loan Program: |
Over 98% of incorporated small and mid- sized businesses are qualified and eligible for our 504 loans. |
Top 12 Reasons to Contact us for Owner-Occupied Commercial Property Financing. |
Comparison Table of SBA 504 and 7(a) Loan Program: |
| Learn More | Learn More | Learn More |