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对于小企业管理局504十大正规赌平台平台的商业十大正规赌平台平台合作伙伴来说，最关键的阶段之一是项目结束和小企业管理局收回第二笔抵押十大正规赌平台平台之间的过渡阶段, 在 商业十大正规赌平台平台合作伙伴在什么时候会面临二次抵押十大正规赌平台平台的风险.

的 504年桥 Loan Program, available for any 佛罗里达 SBA 504 loan, 通过向商业十大正规赌平台平台合作伙伴提供过桥十大正规赌平台平台资金来解决这种风险敞口和时间差异 second mortgage until the permanent SBA second mortgage takeout occurs.

Financed by the 佛罗里达 Department of Economic Opportunity (DEO), 佛罗里达 First Capital administers the program on behalf of DEO. All 佛罗里达 Certified Development Companies (CDCs) may 参与.

504 bridge loan proceeds are allocated from the U.S. 财政部为佛罗里达州参与州小企业信贷倡议(SSBCI). 的 SSBCI is a federal initiative of the U.S. 《十大赌博正规老平台》鼓励各州建立或加强各州支持小企业十大正规赌平台平台的项目.

请注意: 的 504年桥 Loan Program is available in 佛罗里达 only.

过桥十大正规赌平台平台资金可用于经批准的小企业管理局504十大正规赌平台平台的第二次抵押十大正规赌平台平台的临时项目融资, including owner-occupied commercial real estate (turn-key acquisitions, 翻新或扩建项目和地面建设)和/或固定重型机械和设备采购.

Bridge Loan Sizes – 十大正规赌平台平台 amounts are generally capped at $5 million (SBA portion).  Certain eligible energy-efficient or manufacturing projects may qualify for up to $5.5 million, in line with SBA standards.  Generally, the total project limit is $20 million. (This restriction applies to the principal amount of the loan directly supported by the 504 bridge loan, 加上所有其他十大正规赌平台平台相同的十大正规赌平台平台目的，关闭或大约相同的日期.)

Interest Rate -第二笔按揭过桥十大正规赌平台平台和票据将按商业十大正规赌平台平台伙伴设定的利率计息, 至少 在此期间，相等于适用于首张按揭票据的利率.

发起费-用于直接收购项目和翻新项目, 商业十大正规赌平台平台合作伙伴同意支付相当于发起人一半的金额 fee attributable to the second mortgage bridge loan or .过桥十大正规赌平台平台本金总额的5%(0.5%)，以较高者为准. For ground-up construction projects, the 十大正规赌平台平台手续费为过桥十大正规赌平台平台本金的1% (1%).

商业 Lending Partner Servicing Fee -商业十大正规赌平台平台合作伙伴有权保留桥梁服务费 十大正规赌平台平台1元.25% 在 the first six (6) months of the term of the bridge loan, 前提是过桥十大正规赌平台平台不违约(直接收购项目和项目用) renovations only; servicing fees are not applicable for ground-up construction projects). 服务费用应是借款人支付的利息的一部分，等于 1.25%除以过桥十大正规赌平台平台的非违约年利率.

例如, 假设借款人每月支付第二笔按揭过桥十大正规赌平台平台的利息为1元,000 at an interest rate of 5%.  By utilizing the described calculation (1.25% ÷ 5%), 商业十大正规赌平台平台合作伙伴将保留所收利息总额的25%(250美元)作为服务费.

Term – 的 initial term of the bridge loan is six (6) months. 如果504十大正规赌平台平台在最初的六(6)个月期限届满时尚未到位, the second mortgage bridge loan will be 自动延长六(6)个月，并进行以下价格调整:

• Upon extension of the term, 商业十大正规赌平台平台人有权在过桥十大正规赌平台平台结束时保留服务费(此规定仅适用于非地面建设项目).
• 如第二次按揭过桥十大正规赌平台平台期限延长超过一年(其后每延长6个月), there will be a 0.25% (one quarter of one percent) extension fee.

基金ing – Assuming participation interest of 100% of the second note, 来自过桥十大正规赌平台平台的资金必须占十大正规赌平台平台资金总额的45%至75% all times 在 the interim.

Recourse – 的 504年桥 Loan is non-recourse to the permanent lender.

还款 – Bridge loan funds are repaid through takeout via the SBA 504 loan.

504笔过桥十大正规赌平台平台由佛罗里达经济机会和企业部提供，并由佛罗里达第一资本公司处理

遵循sba504十大正规赌平台平台的正常承保和审批程序, 佛罗里达 First Capital distributes a borrower certification for signature. 的 commercial lending partner provides 佛罗里达第一资本与其内部信用书面和承诺书.

If the project includes any renovations or construction, 商业十大正规赌平台平台合作伙伴向佛罗里达第一资本提供其内部建设监测和支付政策. 的 contractor supplies a resume, 保险或保函证明及项目完成时间估计.

Once the 504 bridge loan documentation is completed and approved, 与商业十大正规赌平台平台伙伴签订参与协议，并支付过桥十大正规赌平台平台资金.

呼叫 your CDC lender!

• CDC provides FFCFC with the Loan Authorization, SBA credit file, the commercial lender’s credit write-up and lender’s commitment letter.
• FFCFC provides the lender and borrower will certifications.
• For construction, 商业十大正规赌平台平台机构向FFCFC提供其施工监控和支付政策.
• Once approved by DEO, a Participation Agreement is executed, and the proceeds are available for disbursement.