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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计划, 可用于任何佛罗里达州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 第二抵押十大正规赌平台平台，直到永久的SBA第二抵押十大正规赌平台平台发生.

由佛罗里达州经济机会部(DEO)资助, 佛罗里达第一资本公司代表DEO管理该项目. 所有佛罗里达认证开发公司(cdc)都可以 participate.

504过桥十大正规赌平台平台收益由美国政府拨款.S. Department of Treasury for the state of Florida’s participation in the State Small Business Credit Initiative (SSBCI). The SSBCI是美国的一个联邦倡议.S. Small Business Jobs Act that encourages states to establish or strengthen state programs that support lending to small businesses.

NOTE504过桥十大正规赌平台平台计划只适用于佛罗里达州.

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(小企业管理局部分).  若干合资格的节能或 制造业项目可能有资格获得高达5美元的资助.500万，符合SBA标准.  一般来说，总项目限额为2000万美元. (这一限制适用于委托人 504过桥十大正规赌平台平台直接支持的十大正规赌平台平台金额, 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 equal to the rate applicable to the first mortgage note during the interim.

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 属于第二按揭过桥十大正规赌平台平台的费用或 .5% (one half of one percent) of the principal sum of the bridge loan, whichever is greater. 对于地面建设项目 origination fee is 1% (one percent) of the principal sum of the bridge loan.

商业十大正规赌平台平台合作伙伴服务费 – The commercial lending partner is entitled to retain a servicing fee on the bridge loan of 1.在过桥十大正规赌平台平台期限的前六(6)个月内，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.

For example, assume the borrower’s monthly interest payment on the second mortgage bridge loan is $1,000美元，利率5%.  利用所描述的计算(1).25% ÷ 5%), the commercial lending partner would retain 25% of the total interest collected ($250) as the servicing fee.

期限-过渡十大正规赌平台平台的初始期限为六(6)个月. If the 504 loan has not funded by expiration of the initial six (6) month term, 第二笔抵押过桥十大正规赌平台平台将是 automatically extended at six (6) month increments with the following pricing adjustments:

• 在延长期限时, the servicing fee the commercial lender is entitled to retain on the bridge loan ends (this provision applies to non-ground-up construction projects only).
• If the term of the second mortgage bridge loan is extended beyond one year (and for every 6-month period of extension thereafter), 会有一个0.25%(百分之一的四分之一) 延期费.

资金-假设第二张票据的参与率为100%, funds from the bridge loan must comprise between 45% and 75% of the total amount of loan funds disbursed at 在此期间的所有时间.

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.

Repayment -过桥十大正规赌平台平台的款项是透过小企业管理局504十大正规赌平台平台以外卖方式偿还.

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

Following the normal underwriting and approval process of the SBA 504 loan, 佛罗里达第一资本发放借款人证书供签字. 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.

如果项目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 承包商提供简历, 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并批准, a participation agreement with the commercial lending partner is executed and bridge loan funds are disbursed.

打电话给你的CDC十大正规赌平台平台人!

• CDC向FFCFC提供十大正规赌平台平台授权, SBA信用档案, 商业放款人的授信情况和放款人的承诺书.
• FFCFC提供十大正规赌平台平台人和借款人的遗嘱认证.
• 建设, the commercial lender provides the FFCFC with its construction monitoring and disbursement policy.
• 经行政处长批准后, 签署《十大正规赌平台平台》, 所得款项可用于支付.