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小企业管理局发布延长504十大正规赌平台平台支付补贴指引

Jan 2021

The Small Business Administration (SBA) has released guidance on implementing extended payment subsidies of principal, interest and fees for 504 loans under Section 1112 of the CARES Act as amended by 第325节 of the Economic Aid Act enacted in December.

第325节 扩大资格 of covered loans for 第一轮第1112条款付款 (as originally authorized under the CARES Act) AND 核准第1112款第二轮付款.

以下是小企业管理局十大赌博正规老平台的主要条款摘要. We 强烈推荐 reading SBA程序通告5000-20079 欲知详情.

资金的可用性 All 第1112节付款

国会拨款3美元.50亿美元用于执行《十大正规赌平台平台》第325条, 这些资金在使用之前一直可用. The number of months of payment assistance detailed in the Notice is subject to adjustment based on availability of funds.

第一轮第1112条款付款

担保十大正规赌平台平台 approved 九月或以前. 27, 2020, are now eligible for 第一轮第1112条款付款 even if the loan was not fully disbursed 九月或以前. 27, 2020. 以前, the SBA required that a covered loan be closed and fully disbursed in a regular servicing status to qualify for payment subsidies.

The program’s Central Servicing Agent (CSA) will review the 504 portfolio and identify the 9月8日或之前批准的504笔十大正规赌平台平台. 并于2020年9月27日或之后全额资助. 2020年1月28日(“新获第一轮十大正规赌平台平台”). 如果十大正规赌平台平台是在9月9日或之后提供的. 28, 2020, 十大正规赌平台平台处于正常的还本付息状态, the loan is eligible to receive Section 1112 payments for a 6-month period beginning with the next payment due or, 如果十大正规赌平台平台延期, 从延期后的第一个月开始.

SBA将在本月15日前付款. The CSA will process Section 1112 payments for these Newly Eligible First Round Loans. All 第一轮第1112条款付款 must be completed before a loan may receive any Second Round 第1112节付款.

第二轮第1112条付款-每月不超过9,000美元

借款人须负责任何超过$9的款项,000(“超额应付”)，并且必须支付超过$9的金额,000 at the time the payment is due or enter into an agreement with the Lender in accordance with SBA’s Loan Program Requirements and prudent lending standards to pay that amount under mutually agreeable terms (i.e. 延期和追赶计划).

The SBA will make Second Round 第1112节付款 by the 15th day of the month. Note: CSA会 not 在2月、3月和4月借记借款人账户. If a borrower is 不合格的 to receive Section 1112 payments per Procedural Notice 5000-20079, they will need to submit their payment to the CSA via wire or check.

第二轮第1112条付款安排

504笔十大正规赌平台平台在2020年3月27日前获批，且未延期 – The SBA will make Second Round 第1112节付款 on 504 loans as follows:

• For a 三个月期 从2月8日或之后的十大正规赌平台平台到期的第一笔付款开始. 1, 2021. For any loan that is continuing to receive the 第一轮第1112条款付款 on or after Feb. 1, 2021, this 三个月期 for the Second Round 第1112节付款 does not begin until the first month after SBA has completed the 第一轮第1112条款付款; and
  
  
• 额外的 五个月时间 immediately following the end of the 三个月期 for a borrower that, 根据SBA的记录, is assigned a North American Industry Classification System code beginning with 61, 71, 72, 213, 315, 448, 451, 481, 485, 487, 511, 512, 515, 532 or 812.

504笔十大正规赌平台平台在2020年3月27日前获得批准，并将延期 – The SBA will make the Second Round 第1112节付款 as follows:

• For a 三个月期 (二月十日或以后开始. 1, 2021) beginning with the later of (a) the next payment due on the covered loan after the deferment period; or (b) the first month after SBA has completed the 第一轮第1112条款付款.
  
  
• 额外的 五个月时间 immediately following the end of the 三个月期 for a borrower that, 根据SBA的记录, is assigned a North American Industry Classification System code beginning with 61, 71, 72, 213, 315, 448, 451, 481, 485, 487, 511, 512, 515, 532 or 812.

从2月6日开始的这段时间里，共批准了504笔十大正规赌平台平台. 2021年1月1日，9月1日结束. 30, 2021 – The SBA will make 第1112节付款 for the 6-month period beginning with the first payment due on the loan after the loan has been moved into a regular servicing status (closed and funded).

504 loans approved during the period beginning on March 27, 2020, 并于九月结束. 27, 2020 – The SBA may 第1112条第二轮付款 小企业管理局确定有足够的资金.

从9月11日开始的这段时间里，批准了504笔十大正规赌平台平台. 2020年1月28日结束. 31, 2021, are 不合格的 领取第二轮第1112条款项

• Lenders are prohibited from cancelling a loan approved during this period and resubmitting a loan for a similar purpose on or after Feb. 1、2021年，获得 第1112条借款人的付款.
  
  
• 十大正规赌平台平台机构也被禁止在2月8日当天或之后再融资. 该法案于2021年9月1日开始批准. 2020年1月28日结束. 为借款人获得第1112条付款.

A borrower eligible for Section 1112 payments on a loan approved beginning on March 27, 2020, 并于九月结束. 27, 2020, may not receive assistance under Section 1112 for any other loan approved beginning on or after Feb. 1, 2021.

The SBA will be mailing a letter to every borrower with a loan approved prior to Sept. 27, 2020. The letter will outline eligibility for any Section 1112 payment assistance resulting from the Economic Aid Act.

See SBA程序通告5000-20079 欲知详情.

The SBA 504十大正规赌平台平台计划 provides up to 90% financing at below-market, fixed interest rates and long amortization terms up to 25 years for the purchase of major fixed assets, 比如业主自住的商业地产, 装修, 新建筑, energy efficient “green” initiatives and/or fixed heavy duty machinery and 设备, 以及 refinance of commercial mortgage and other business debt with or without a cash-out option.

504 loans are paired with private-sector commercial loans and provide up to $5 million of aggregate SBA eligibility on standard 504 projects; up to $5.500万/ 504节能绿色项目不超过16美元.5 million in the aggregate; and up to $5.5 million per eligible small manufacturing project with no limit on total SBA dollars available. These are SBA 2nd mortgage loan portions only; there is no limit 总体项目规模.

For more information about SBA 504 loans in Alabama, Florida or South Georgia, contact a 佛罗里达第一资本信贷员 或发邮件至 info@tsunoi-toso.com. 电话:850.681.3601或免费电话888.320.5504.