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Eligibility

Who is Eligible?

  • Must be a for-profit business. Generally available to individual business owners or multiple owners partnering on a project
  • The business and any affiliate companies must have a net worth no greater than $15 million.
  • The average net profit of the business cannot be more than $5 million in average after taxes in the last two years.
  • The business must create and/or retain jobs and/or meet one of the following SBA Public Policy goals:
  1. Expansion of an export business (at least 10% of last years sales must be from export sales).
  2.  Expansion of a minority owned business (at least 51% ethnic minority interest).
  3. Women owned.
  4. Veteran owned.
  5.  Other SBA-approved public policy goals.

What are the occupancy requirements for the business?

  • 51% if acquiring an existing facility (49% can be permanently leased out).
  • 60% for a new construction project with the potential that the business will occupy some additional space within three years, and a total of 80% within ten years. The balance of the building (20%) can be permanently leased out.

How much of an Equity contribution is required for an SBA 504 Loan?

  • Commonly 10%· If the entity is considered a new business or the property is determined to be a Special Purpose Property, an additional 5% equity is required.

Types of Businesses Served by PYMES:

We are ready to help!

  • Medical Doctors Practices
  • Manufacturers
  • Auto repair shops
  • Attorneys Practices
  • Car washes
  • Childcare centers
  • Dental offices
  • Distribution centers
  • Hair salons
  • Hotels and Small Inns
  • IT companies
  • Pharmaceutical Companies
  • Restaurants and food service companies
  • Retail and wholesale companies
  • Veterinary offices
  • Warehouses

Are there any pre-payment penalties?

The SBA 504 Debenture has a re-purchase premium (RP) during the first ten years of the 20-year Debenture period.

This is a declining premium (10/9/8/7/6/5/4/3/2/1) that is calculated based on the year of the loan, remaining balance (B) and interest rate (I).

For example, if a Debenture is repurchased in year 5, the repurchase premium would be as follows: RP = B(I x .60). A 10-year Debenture has a re-purchase premium during the first five years (10/8/6/2).

Past Interest Rates

Issue Date

Amount of Debentures

($000)

Debenture Rate

(%)

Note Rate

(%)

20-Year Debentures

Sept 15 301,921 2.82 2.86828
Aug 15 283,855 2.82 2.87760
July 15 245,659 2.88 2.92906
June 15 301,688 2.98 3.03048
May 15 312,757 2.77 2.81760
April 15 338,693 2.51 2.55396
Mar 15 280,740 2.72 2.76680
Feb 15 238,962 2.46 2.51049
Jan 15 232,709 2.52 2.56408
Dec 14 329,518 2.70 2.74666
Nov 14 230,111 2.80 2.84791
Oct 14 224,803 2.74 2.78718
Sept 14 355,242 2.92 2.96968
Aug 14 263,440 2.88 2.92905
July 14 317,997 2.87 2.91897
June 14 224,447 2.99 3.04044
May 14 321,645 3.00 3.05065
April 14 356,704 3.11 3.16225
Mar 14 361,134 3.21 3.26331
Feb 14 251,320 3.23 3.28357
Jan 14 283,660 3.46 3.51651
Dec 13 291,423 3.38 3.43541
Nov 13 306,283 3.38 3.43549
Oct 13 359,451 3.37 3.42545
Sept 13 313,427 3.62 3.67831

20-Year Debentures

Sept 15 12,087 1.71 1.77724
July 15 16,171 1.80 1.87073
May 15 17,472 1.85 1.92236
Mar 15 16,574 1.88 1.9532
Jan 15 16,216 1.89 1.9638
Nov 14 26,728 2.03 2.1088
Sept 14 23,153 2.16 2.2437
July 14 21,590 1.98 2.0571
May 14 34,831 1.98 2.0570
Mar 14 26,933 1.96 2.0362
Jan 14 16,313 2.14 2.2229
Nov 13 26,986 1.88 1.9534
Sept 13 16,316 2.33 2.4194