One of the most critical stages for a commercial lending partner in an SBA 504 loan is the interim phase of a project between their closing and the SBA takeout of the second mortgage, during which time the commercial lending partner is at risk on the second mortgage.

504过桥十大正规赌平台平台可用, 可申请佛罗里达州SBA 504十大正规赌平台平台, addresses this exposure and timing difference by providing commercial lending partners with bridge loan funds to cover the second mortgage until the permanent SBA second mortgage takeout occurs.

参与过桥十大正规赌平台平台计划, 504家商业十大正规赌平台平台合作伙伴签订参与协议. 联系佛罗里达州第一资本十大正规赌平台平台专家了解更多信息.

504过桥十大正规赌平台平台收益作为97美元的一部分提供.从美国拨款600万美元.S. Department of Treasury for the state of Florida’s participation in the State Small Business 信贷计划(SSBCI). SSBCI是美国联邦政府的一个倡议.S. Small Business Jobs Act of 2010 that encourages states to establish or strengthen state programs that support lending 小型企业.

NOTE: 504过桥十大正规赌平台平台仅在佛罗里达州可用.

Bridge loan funds may be used for interim project financing of the second mortgage of authorized SBA 504 loan projects, 包括业主自住的商业地产(交钥匙收购), renovation or build-out projects and ground-up construction) and/or fixed heavy duty machinery and equipment purchases.

过桥十大正规赌平台平台规模 -十大正规赌平台平台金额一般以500万元为上限.  某些合格的节能或制造 项目可能有资格获得最高5美元.500万，符合SBA标准.  一般来说，项目总限额为2000万美元. (此限制适用于十大正规赌平台平台本金 直接支持的504过桥十大正规赌平台平台, plus all other loans for the same loan purpose that close on or about the same date.)

利率 – The second mortgage bridge loan and note will bear interest at a rate set by the commercial lending partner, at least 与在此期间适用于第一份按揭票据的利率相等.

Origination Fees – For straight acquisition projects and projects with renovations, the commercial lending partner agrees to pay an amount equal to one half of the origination 费用归属于第二按揭过桥十大正规赌平台平台或 .5% (one half of one percent) of the principal sum of the bridge loan, whichever is greater. 对于地面施工项目 origination fee is 1% (one percent) of the principal sum of the bridge loan.

商业借贷伙伴服务费 – The commercial lending partner is entitled to retain a servicing fee on the bridge 十大正规赌平台平台1.过桥十大正规赌平台平台期限的前6个月为25%, provided the bridge loan is not in default (straight acquisition projects and projects with renovations only; servicing fees are not applicable for ground-up construction projects). The servicing fee shall be a portion of interest payments made by the borrower equal to 1.25% divided by the non-default annual interest rate payable on the bridge loan.

例如, assume the borrower’s monthly interest payment on the second mortgage bridge loan is $1,利率为5%.  利用上述计算(1.25% ÷ 5%), the commercial lending partner would retain 25% of the total interest collected ($250) as the servicing fee.

Term -过桥十大正规赌平台平台的初始期限为6个月.  如果504十大正规赌平台平台在最初的6(6)个期限届满前没有提供资金 月的术语, the second mortgage bridge loan will be automatically extended at six (6) month increments with the following pricing adjustments:

• 在期限延长时, the servicing fee the commercial lending partner is entitled to retain on the bridge loan ends.
• 如果第二次抵押过桥十大正规赌平台平台的期限延长到一年以上, the extension is automatically granted in consideration of a one-time increase of 2% in the rate of interest 在第二份按揭票据上支付，以及支付 .25% (one quarter of one percent) of the principal sum of the bridge loan at the beginning of each six (6) month extension.

资金-假设第二份债券的参与率为100%, funds from the bridge loan must comprise between 45% and 75% of the total amount of loan funds disbursed at 在过渡期间的所有时间.

追索权- 504过桥十大正规赌平台平台对永久十大正规赌平台平台人无追索权.

还款 -过桥十大正规赌平台平台资金通过SBA 504十大正规赌平台平台打包偿还.

504 bridge loans are provided by the Florida Department of Economic Opportunity and Enterprise Florida and processed by Florida First Capital

按照SBA 504十大正规赌平台平台的正常审批流程, 佛罗里达第一资本公司发放了一份借款方签字证明. 由商业十大正规赌平台平台合作伙伴提供 Florida First Capital with its internal credit write up and commitment letter.

如果工程包括任何翻新或建设, the commercial lending partner provides Florida First Capital with its internal construction monitoring and disbursement policy. The 承建商提供简历, proof of insurance or bond and estimate of time frame for project completion.

一旦504过桥十大正规赌平台平台文件完成和批准, a participation agreement with the commercial lending partner is executed and bridge loan funds are disbursed.

Interested commercial lending partners should contact a Florida First Capital loan officer for an application and other required documents.  Talk to a 十大正规赌平台平台专家 在你们当地找我们的信贷员.  电话:850.681.3601或免费888.320.5504.  Email: info@www.ly-brand.com.

NOTE: 504过桥十大正规赌平台平台仅在佛罗里达州可用.