Hoʻohou hope loa ma Nowemapa 8, 2020
Hāʻawi kēia ʻaoʻao i ka ʻike kikoʻī e pili ana i ke komo ʻana i nā hōʻaiʻē SBA. Ma ʻaneʻi, e hele ʻia ʻoe ma ke ʻano o nā hōʻaiʻē SBA, pehea e loaʻa ai, nā koi e komo ai i nā hōʻaiʻē SBA, ke kaʻina noi, a me nā ʻike nui ʻē aʻe āu e pono ai e ʻike e pili ana i nā hōʻaiʻē SBA. E ʻoluʻolu e hoʻolohe.
Table of Contents
He aha ka hōʻaiʻē SBA?
ʻO kahi hōʻaiʻē SBA kahi hōʻaiʻē ʻoihana liʻiliʻi i hoʻopaʻa ʻia e ke aupuni (ka Small Business Administration) a hoʻopuka ʻia e kahi mea hāʻawi kālā i ʻae ʻia e SBA.
Hana ʻia nā hōʻaiʻē i hoʻopaʻa ʻia e SBA e nā mea hāʻawi pilikino a hoʻopaʻa ʻia a hiki i ka 80 pakeneka e ka SBA, e kōkua ana i ka hōʻemi ʻana i ka pilikia no nā mea hāʻawi kālā a maʻalahi iā lākou ke komo i ke kālā. ʻO ia ka mea maʻalahi i nā ʻoihana liʻiliʻi ke loaʻa nā hōʻaiʻē.
ʻO nā ʻano like ʻole o nā hōʻaiʻē SBA
Hāʻawi ka SBA i nā ʻano hōʻaiʻē ʻoihana like ʻole, a ʻo ka mea āu e noi ai e hilinaʻi ia i ke ʻano o ka ʻoihana āu e holo nei. Eia kahi papa inoa o kekahi mau polokalamu hōʻaiʻē SBA kaulana
1. 7(a) Nā hōʻaiʻē
ʻO ka hōʻaiʻē 7(a) ka papahana hōʻaiʻē kaulana loa a ka SBA no nā hoʻomaka a me nā ʻoihana liʻiliʻi. Hiki ke hoʻohana ʻia kēia hōʻaiʻē no nā kumu like ʻole, me ke kūʻai ʻana i nā lako, nā waiwai waiwai, a i ʻole ka hōʻaiʻē hōʻaiʻē.
Loaʻa kēia mau hōʻaiʻē a hiki i $5 miliona, a hiki i ʻehiku mau makahiki ma ka hōʻaiʻē ʻoihana hana a me 25 mau makahiki ma nā hōʻaiʻē waiwai kūʻai. Pono nā mea hōʻaiʻē e loaʻa ka helu ʻaiʻē liʻiliʻi o 680 a me ka uku haʻahaʻa o ka liʻiliʻi he 10 pakeneka.
Aia nā ʻano hōʻaiʻē e hāʻule ma lalo o ka malu o 7(a) hōʻaiʻē. No ka laʻana, ʻo nā hōʻaiʻē SBA Express he sub-program i loko o ka papahana hōʻaiʻē 7(a). Hoʻopaʻa ʻia kēia mau hōʻaiʻē e ka SBA a hele mai me nā hoʻoholo hōʻaiʻē wikiwiki. ʻO ka hōʻaiʻē SBA kiʻekiʻe he 85 pakeneka no nā hōʻaiʻē a hiki i $150,000 a me 75 pakeneka no nā hōʻaiʻē ʻoi aku ma mua o $150,000.
No nā hōʻaiʻē Express, e noi ʻoe ma o kahi mea hāʻawi kālā i ʻae ʻia e SBA a loaʻa pinepine i kahi hoʻoholo hōʻaiʻē i loko o 24 a 36 mau hola. ʻO ka underwriting ma nā hōʻaiʻē kuʻuna 7(a) hiki ke lōʻihi i 10 mau lā e hoʻopau ai. ʻO nā uku o kēia manawa no nā hōʻaiʻē 7 (a) he 5.50% - 9.75%.
2. 504 Loan
Loaʻa nā hōʻaiʻē 504 no nā ʻoihana e makemake ana e kūʻai i ka waiwai paʻa, nā mīkini, a i ʻole nā mea hana e hoʻonui i kā lākou hana ʻoihana o kēia manawa. Loaʻa kēia mau hōʻaiʻē ma nā ʻano like ʻole a hiki i $ 20 miliona, a ʻo nā ʻōlelo hoʻihoʻi a hiki i 25 mau makahiki.
ʻO ka mea hāʻawi pilikino āu e hoʻohana ai e uhi a hiki i ka 50 pakeneka o ka nui o ka hōʻaiʻē, a me kahi Hui Hoʻomohala Certified - kahi hui waiwai ʻole i hōʻoia ʻia e ka SBA e hāʻawi i nā hōʻaiʻē 504 - e uhi i 40 pakeneka. Pono e hiki i ka mea hōʻaiʻē ke uhi i ke koena 10 pakeneka o ke kaulike.
Pono nā mea hōʻaiʻē i ka mōʻaukala hōʻaiʻē ikaika e hiki ai, a ʻo ka waiwai paʻa he 51 ka nui o ka mea nona ka noho ʻana. ʻAʻole hiki ke ʻoi aku ka waiwai o ka ʻoihana ma mua o $ 15 miliona.
3. CAPline
Hāʻawi ka papahana CAPLines i nā hōʻaiʻē e kōkua i nā ʻoihana liʻiliʻi e hoʻokō i kā lākou pono kālā hana. ʻEhā mau hōʻaiʻē SBA like ʻole e hāʻule ma lalo o kēia papahana, a me kahi laina o ka hōʻaiʻē.
He kūpono kēia ʻano hōʻaiʻē no nā ʻoihana e pono ana i kahi laina ʻaiʻai e hoʻokō ai i nā koina mau. Hiki i nā mea hōʻaiʻē ke loaʻa i kahi hōʻaiʻē CAPLines me kahi hōʻaiʻē 7(a) a i ʻole 504 hōʻaiʻē.
Hoʻopiliʻia: Pehea e kiʻi ai i nā hōʻaiʻē FHA (pono, nā koi a me ke kaʻina noi)
Hiki i nā mea hōʻaiʻē ke loaʻa a hiki i $5 miliona me kahi manawa uku ʻelima a 10 mau makahiki. Ua like nā koi me nā mea no kahi hōʻaiʻē 7 (a).
4. Nā hōʻaiʻē i waho
Hoʻolālā ʻia nā hōʻaiʻē export e kōkua i nā ʻoihana liʻiliʻi e hoʻonui i kā lākou hana hoʻopuka a komo i nā mākeke ʻē aʻe. He kūpono kēia mau hōʻaiʻē no nā ʻoihana e hana mau i ka ʻoihana honua.
Aia nā hōʻaiʻē ma waena o $500,000 a me $5 miliona, ma muli o ke kumu o ka hōʻaiʻē a me nā palena manawa. No ke kūpono, pono ʻoe e komo i ka lawe ʻana aku i nā waiwai i nā ʻāina ʻē.
5. Nā hōʻaiʻē liʻiliʻi
He kūpono paha nā Microloans no nā ʻoihana liʻiliʻi a me nā keʻena mālama keiki ʻole me nā pono kālā haʻahaʻa. Hiki ke hoʻohana ʻia kahi microloan no ke kapena hana, ke kūʻai ʻana i nā waihona waiwai, a me ke kūʻai ʻana i nā lako a me nā lako.
Hāʻawi ʻia kēia mau hōʻaiʻē ma o nā hui waiwai ʻole i ʻae ʻia e ka SBA. ʻAʻole like me nā hōʻaiʻē ʻē aʻe, ʻaʻole hōʻoia ka SBA i nā microloans.
Loaʻa nā Microloans a hiki i $ 50,000 me nā makahiki ʻeono makahiki. No ke koho ʻana, pono ʻoe i ka helu ʻaiʻē liʻiliʻi o 640.
6. Nā hōʻaiʻē pōʻino
Hoʻopuka ka SBA i nā hōʻaiʻē pōʻino no nā pōʻino kūlohelohe a i ʻole ka hoʻokele waiwai, e like me ka maʻi maʻi coronavirus. ʻO kēia mau hōʻaiʻē no nā ʻoihana e hiki ke hōʻike i ko lākou hopena maikaʻi ʻole e kahi pōʻino.
Loaʻa nā hōʻaiʻē pōʻino a hiki i $ 2 miliona me nā ʻōlelo uku a hiki i 30 mau makahiki. Hiki ke hoʻohana ʻia no ke kapena hana, nā koina hana i kēlā me kēia lā, a no ke pani ʻana i nā waiwai i hōʻino ʻia.
Nā pōmaikaʻi o nā hōʻaiʻē SBA-guaranteed
Ma ke ʻano he ʻoihana liʻiliʻi, ua noʻonoʻo paha ʻoe e noi i kahi hōʻaiʻē ma o ka US Small Business Administration (SBA). A no ke kumu maikaʻi, no ka mea he nui nā pōmaikaʻi i ka lawe ʻana i kahi hōʻaiʻē SBA.
Hāʻawi nā hōʻaiʻē SBA i nā kumukūʻai hoʻokūkū hoʻokūkū a me ka manawa hoʻihoʻi maʻalahi, a ʻaʻohe koi e pono ai no kekahi mau hōʻaiʻē. A i ka wā e kūpono ai ʻoe i kahi hōʻaiʻē, hiki iā ʻoe ke loaʻa i nā kumuwaiwai waiwai e hiki ke kōkua iā ʻoe e hoʻohana pono i kāu kālā.
Pehea e komo ai i nā hōʻaiʻē SBA: ʻO ke kūpono, nā koi a me ke kaʻina noi
ʻOi aku ka nui o nā ʻoihana liʻiliʻi e komo i nā hōʻaiʻē SBA. Akā paʻakikī kēia mau hōʻaiʻē i ke kūpono, no laila pono ʻoe e ʻike i nā ala kūpono e hana ai e maʻalahi ke kaʻina hana. Aia ma lalo nā ʻanuʻu āu e hana ai ma mua a ma hope o ka noi ʻana i kahi hōʻaiʻē SBA.
E nānā i kou kūpono
Ma mua o kou hoʻomaka ʻana i ke kaʻina noi, makemake ʻoe e hōʻoia i ke kūpono o kāu ʻoihana no kahi hōʻaiʻē SBA. E hōʻoia e hoʻokō ʻoe i ka wehewehe ʻana o ka SBA no kahi ʻoihana liʻiliʻi, hiki ke ʻokoʻa ma muli o ka ʻoihana. Aia kekahi o nā koi;
- Hoʻopaʻa inoa ʻia ka ʻoihana a hana ma ke kānāwai.
- Aia ka ʻoihana ma ke kino a ke hana nei ma US a i ʻole kona mau ʻāina.
- Ua hoʻokomo kālā
- Ua hoʻolilo ka mea ʻoihana i kona manawa a i ʻole kālā i loko o ka ʻoihana.
Eia kekahi, e nānā i kāu hōʻaiʻē e hōʻoia i kou kūlana maikaʻi. E hoʻomanaʻo, inā ʻaʻole ʻoe i noi no kahi hōʻaiʻē ʻoihana ma mua, a laila ʻaʻole ʻoe e ʻae i kahi hōʻaiʻē SBA. Pono ka SBA e ʻike ua noi ʻole ʻoe no ke kālā mai nā mea hāʻawi kālā ʻē aʻe.
E hōʻiliʻili i kāu pepa
ʻO kekahi o nā mea e hoʻopau ai i ka manawa o ka noi ʻana i kahi hōʻaiʻē SBA ʻo ia nā pepa a pau e pono ai. E lawe i ka manawa e hui pū i nā mea a pau āu e pono ai ma mua o ka hoʻokokoke ʻana i nā mea hāʻawi kālā.
- Ma ka liʻiliʻi loa, pono ʻoe e waiho i kēia mau palapala:
- ʻO kahi hoʻolālā pāʻoihana kikoʻī loa
- ʻO kāu hōʻike kālā pilikino a me kāu ʻoihana
- ʻO kāu ʻauhau pilikino a me kāu ʻauhau ʻoihana mai nā makahiki ʻelua i hala
- Ka moʻolelo kālā piha o kāu ʻoihana
- Nā ʻatikala o ka hoʻohui ʻana
- Nā laikini ʻoihana
- ʻO kāu holomua
- Hoʻolālā kālā e hana i kahi hihia no ke ʻano e hiki ai iā ʻoe ke uku i ka hōʻaiʻē
I ka wā hoʻomākaukau, hiki ke kōkua i ka ʻimi ʻana i ka ʻōlelo aʻoaʻo mai kekahi mea akamai i ka hoʻomākaukau ʻana i nā pūʻolo hōʻaiʻē SBA. He wahi maikaʻi ka SCORE, nā Hale Hoʻomohala Pāʻoihana Liʻiliʻi, a me nā CPA.
E koho i kahi mea hōʻaiʻē SBA
ʻO ka manawa kēia e koho ai i kahi panakō a mea hāʻawi kālā paha e hana pū me ka SBA. Nui nā mea hāʻawi kālā e hāʻawi i 7 (a) hōʻaiʻē; hiki iā ʻoe ke loaʻa i kahi papa inoa mokuʻāina ma ka pūnaewele SBA.
He manaʻo maikaʻi e hoʻokaʻaʻike i nā mea hāʻawi kālā he nui a, inā hiki, e hoʻāʻo e ʻimi i kahi pilina pilikino ma kēlā panakō. Ke hui ʻoe me ka poʻe hāʻawi kālā, he mea nui e ʻaʻahu i ka ʻoihana a lawe mai i nā kope o kāu hoʻolālā pāʻoihana a me nā kuhi kālā.
ʻO ka pahuhopu o kēia hālāwai, ʻo ia ke kōkua i ka mea hāʻawi kālā e hōʻoluʻolu i ka hana ʻoihana me ʻoe. Makemake ʻoe e hōʻike iā lākou he hoʻolālā kāu i kahi a me nā kuhi kālā ikaika e kākoʻo ai.
ʻO kekahi o nā ala maikaʻi loa e hōʻike ai i kou koʻikoʻi ʻo ka waiho ʻana i kekahi ʻano koʻa. Makemake ka poʻe hāʻawi kālā e ʻike he ʻili kou i ka pāʻani, a ʻo kolateral ke ala maikaʻi loa e hōʻike ai i kēia.
E hoʻopiha i kāu palapala noi
Ke hāʻawi ʻoe i nā ʻike pono āpau a ua māʻona kāu mea hāʻawi, e hāʻawi iā ʻoe i kahi pūʻolo hōʻaiʻē SBA. E hoʻopiha ʻoe i nā palapala kūpono a waiho i kāu mau mea i ka SBA.
Ma hope o ka noi ʻana, e loaʻa iā ʻoe kahi leka o ka manaʻo (LOI) mai kāu mea hāʻawi. Na ka LOI e wehewehe i kāu mau uku kūpono, nā hua'ōlelo, a me ka nui o ke kālā āu e hiki ai ke loaʻa.
Ke kau inoa ʻoe a hoʻihoʻi i ka LOI, e hoʻomaka ke kaʻina hana underwriting. Hiki ke lawe i kekahi mau pule no ka underwriting e nānā i kāu noi no kekahi mau ʻano hōʻaiʻē, a hiki ke hoʻopili ʻia ʻoe e hāʻawi i ka ʻike hou aku.
Ke hala ʻoe i ke kaʻina hana underwriting, e loaʻa iā ʻoe kahi leka hoʻohiki me nā kikoʻī hou aku e pili ana i kāu hōʻaiʻē. Ke ʻae ʻoe i nā ʻōlelo, ʻo ia ka manawa e pani ai i kāu hōʻaiʻē.
Manaʻo mākou e ʻike ʻoe i kēia mea pono. He nīnau kāu e pili ana i ke komo ʻana i nā hōʻaiʻē SBA? E ʻoluʻolu e haʻi mai iā mākou i hiki iā mākou ke kōkua iā ʻoe me nā ʻike āu e pono ai.
E ʻoluʻolu, mai hoʻokaʻulua e kaʻana like me nā hoaaloha, nā hoahana a me nā ʻohana āu i ʻike e pono ai i kēia ʻano ʻike. Mahalo no ka mālama ʻana a loaʻa kahi mea maikaʻi ma mua!