SBA Express 30일
빠른 운영자금 프로그램
비즈니스 융자 프로그램 중 가장 좋은 조건을 제공하는 상품 중 하나는 SBA 융자입니다. 낮은 이자율과 긴 상환 기간 등의 장점이 있지만, 자격 조건이 까다롭고 많은 서류를 요구하며, 최근에는 대출 완료까지 3개월 이상 소요되는 경우가 많습니다.
저희는 SBA 7(a) 프로그램 중 최단 30일 내 자금 지원이 가능한 SBA Express 프로그램을 제공하고 있습니다.
- 융자 금액: $50,000 ~ $150,000
- 대출 소요 기간: 최단 30일
- 용도: 비즈니스 운영자금(Working Capital)
- 변동 이자율: 프라임(Prime)+마진 3.75% (매 3개월 마다 프라임이 바뀌면 내 이자율과 월 페이먼트가 바뀔 수 있음)
- 상환 기간: 10년
- 낮은 수수료
- 소규모 사업체 신청 가능
또한 추가 자금이 필요한 경우, SBA Express 대출을 받은 후 약 90일이 지나면 다른 렌더를 통해 추가로 SBA 융자를 신청할 수도 있습니다.
기본 자격 조건:
- 신용점수(FICO) 675점 이상
- 최근 7년 이내 파산(Bankruptcy) 기록 없어함
- 미납 세금(Tax Liabilities) 없어함
- 현재 상환 중인 단기 융자 MCA(Merchant Cash Advance) 부채가 없어함
- 이미 다른 SBA론 있어도 가능
- 2년 이상된 사업체
- 미국 시민권자 U.S. Citizen Only
필요한 준비 서류
- 최근 2년치 비즈니스 세금보고서(Business Tax Returns)
- 최근 2년치 개인 세금보고서(Personal Tax Returns)
- 당해연도 손익계산서(YTD Profit & Loss Statement) 및 재무상태표(Balance Sheet)
- 비즈니스 부채 내역서(Business Debt Schedule)
- 신분증(ID)
- 융자 신청서(Credit Application)
본 프로그램 신청이 불가능한 제외 업종 (Restricted Industries)
회계사님께 문의하셔서 고객님의 사업체 업종 및 NAICS 코드가 아래 항목에 해당하는지 확인해 주세요.
아래 업종에 해당하는 경우에는 본 프로그램 이용이 불가능합니다.
NAICS | Restricted Industries |
| 111110 | Soybean Farming |
| 111120 | Oilseed (except Soybean) Farming |
| 111130 | Dry Pea and Bean Farming |
| 111140 | Wheat Farming |
| 111150 | Corn Farming |
| 111160 | Rice Farming |
| 111191 | Oilseed and Grain Combination Farming |
| 111199 | All Other Grain Farming |
| 111211 | Potato Farming |
| 111219 | Other Vegetable (except Potato) and Melon Farming |
| 111310 | Orange Groves |
| 111320 | Citrus (except Orange) Groves |
| 111331 | Apple Orchards |
| 111332 | Grape Vineyards |
| 111333 | Strawberry Farming |
| 111334 | Berry (except Strawberry) Farming |
| 111335 | Tree Nut Farming |
| 111336 | Fruit and Tree Nut Combination Farming |
| 111339 | Other Noncitrus Fruit Farming |
| 111411 | Mushroom Production |
| 111419 | Other Food Crops Grown Under Cover |
| 111421 | Nursery and Tree Production |
| 111422 | Floriculture Production |
| 111910 | Tobacco Farming |
| 111920 | Cotton Farming |
| 111930 | Sugarcane Farming |
| 111940 | Hay Farming |
NAICS | Restricted Industries |
| 111991 | Sugar Beet Farming |
| 111992 | Peanut Farming |
| 111998 | All Other Miscellaneous Crop Farming |
| 112111 | Beef Cattle Ranching and Farming |
| 112112 | Cattle Feedlots |
| 112120 | Dairy Cattle and Milk Production |
| 112130 | Dual-Purpose Cattle Ranching and Farming |
| 112210 | Hog and Pig Farming |
| 112310 | Chicken Egg Production |
| 112320 | Broilers and Other Meat Type Chicken Production |
| 112330 | Turkey Production |
| 112340 | Poultry Hatcheries |
| 112390 | Other Poultry Production |
| 112410 | Sheep Farming |
| 112420 | Goat Farming |
| 112511 | Finfish Farming and Fish Hatcheries |
| 112512 | Shellfish Farming |
| 112519 | Other Aquaculture |
| 112910 | Apiculture |
| 112920 | Horses and Other Equine Production |
| 112930 | Fur-Bearing Animal and Rabbit Production |
| 112990 | All Other Animal Production |
| 113110 | Timber Tract Operations |
| 113210 | Forest Nurseries and Gathering of Forest Products |
| 113310 | Logging |
| 114111 | Finfish Fishing |
| 114112 | Shellfish Fishing |
NAICS | Restricted Industries |
| 114119 | Other Marine Fishing |
| 114210 | Hunting and Trapping |
| 115112 | Soil Preparation, Planting, and Cultivating |
| 115113 | Crop Harvesting, Primarily by Machine |
| 115114 | Postharvest Crop Activities (except Cotton Ginning) |
| 115115 | Farm Labor Contractors and Crew Leaders |
| 115116 | Farm Management Services |
| 115210 | Support Activities for Animal Production |
| 115310 | Support Activities for Forestry |
| 212210 | Iron Ore Mining |
| 212230 | Copper, Nickel, Lead, and Zinc Mining |
| 212311 | Dimension Stone Mining and Quarrying |
| 212312 | Crushed and Broken Limestone Mining and Quarrying |
| 212313 | Crushed and Broken Granite Mining and Quarrying |
| 212319 | Other Crushed and Broken Stone Mining and Quarrying |
| 212321 | Construction Sand and Gravel Mining |
| 213112 | Support Activities for Oil and Gas Operations |
| 221111 | Hydroelectric Power Generation |
| 221112 | Fossil Fuel Electric Power Generation |
| 221113 | Nuclear Electric Power Generation |
| 221114 | Solar Electric Power Generation |
| 221115 | Wind Electric Power Generation |
| 221116 | Geothermal Electric Power Generation |
| 221117 | Biomass Electric Power Generation |
| 221118 | Other Electric Power Generation |
| 221121 | Electric Bulk Power Transmission and Control |
| 221122 | Electric Power Distribution |
NAICS | Restricted Industries |
| 221210 | Natural Gas Distribution |
| 221320 | Sewage Treatment Facilities |
| 236115 | New Single-Family Housing Construction (except For-Sale Builders) |
| 236116 | New Multifamily Housing Construction (except For-Sale Builders) |
| 236117 | New Housing For-Sale Builders |
| 236118 | Residential Remodelers |
| 236210 | Industrial Building Construction |
| 236220 | Commercial and Institutional Building Construction |
| 237110 | Water and Sewer Line and Related Structures Construction |
| 237120 | Oil and Gas Pipeline and Related Structures Construction |
| 237130 | Power and Communication Line and Related Structures Construction |
| 237210 | Land Subdivision |
| 237310 | Highway, Street, and Bridge Construction |
| 237990 | Other Heavy and Civil Engineering Construction |
| 238120 | Structural Steel and Precast Concrete Contractors |
| 238130 | Framing Contractors |
| 238150 | Glass and Glazing Contractors |
| 238160 | Roofing Contractors |
| 238170 | Siding Contractors |
| 238210 | Electrical Contractors and Other Wiring Installation Contractors |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors |
| 238290 | Other Building Equipment Contractors |
| 238340 | Tile and Terrazzo Contractors |
| 238390 | Other Building Finishing Contractors |
| 238990 | All Other Specialty Trade Contractors |
| 441120 | Used Car Dealers |
| 484110 | General Freight Trucking, Local |
NAICS | Restricted Industries |
| 484121 | General Freight Trucking, Long-Distance, Truckload |
| 484122 | General Freight Trucking, Long-Distance, Less Than Truckload |
| 487110 | Scenic and Sightseeing Transportation, Land |
| 487210 | Scenic and Sightseeing Transportation, Water |
| 487990 | Scenic and Sightseeing Transportation, Other |
| 512131 | Motion Picture Theaters (except Drive-Ins) |
| 512132 | Drive-In Motion Picture Theaters |
| 521110 | Monetary Authorities-Central Bank |
| 522110 | Commercial Banking |
| 522130 | Credit Unions |
| 522180 | Savings Institutions and Other Depository Credit Intermediation |
| 522210 | Credit Card Issuing |
| 522220 | Sales Financing |
| 522291 | Consumer Lending |
| 522292 | Real Estate Credit |
| 522299 | International, Secondary Market, and All Other Nondepository Credit Intermediation |
| 522310 | Mortgage and Nonmortgage Loan Brokers |
| 522320 | Financial Transactions Processing, Reserve, and Clearinghouse Activities |
| 522390 | Other Activities Related to Credit Intermediation |
| 523210 | Securities and Commodity Exchanges |
| 523910 | Miscellaneous Intermediation |
| 523991 | Trust, Fiduciary, and Custody Activities |
| 523999 | Miscellaneous Financial Investment Activities |
| 524113 | Direct Life Insurance Carriers |
| 524126 | Direct Property and Casualty Insurance Carriers |
| 524128 | Other Direct Insurance (except Life, Health, and Medical) Carriers |
| 525990 | Other Financial Vehicles |
NAICS | Restricted Industries |
| 531110 | Lessors of Residential Buildings and Dwellings |
| 531120 | Lessors of Nonresidential Buildings (except Miniwarehouses) |
| 531130 | Lessors of Miniwarehouses and Self-Storage Units |
| 531190 | Lessors of Other Real Estate Property |
| 551111 | Offices of Bank Holding Companies |
| 551112 | Offices of Other Holding Companies |
| 551114 | Corporate, Subsidiary, and Regional Managing Offices |
| 623110 | Nursing Care Facilities (Skilled Nursing Facilities) |
| 623311 | Continuing Care Retirement Communities |
| 623312 | Assisted Living Facilities for the Elderly |
| 711110 | Theater Companies and Dinner Theaters |
| 711120 | Dance Companies |
| 711130 | Musical Groups and Artists |
| 711190 | Other Performing Arts Companies |
| 711211 | Sports Teams and Clubs |
| 711212 | Racetracks |
| 711219 | Other Spectator Sports |
| 711310 | Promoters of Performing Arts, Sports, and Similar Events with Facilities |
| 711320 | Promoters of Performing Arts, Sports, and Similar Events without Facilities |
| 711410 | Agents and Managers for Artists, Athletes, Entertainers, and Other Public Figures |
| 712110 | Museums |
| 712120 | Historical Sites |
| 712130 | Zoos and Botanical Gardens |
| 712190 | Nature Parks and Other Similar Institutions |
| 713210 | Casinos (except Casino Hotels) |
| 713290 | Other Gambling Industries |
| 713910 | Golf Courses and Country Clubs |
| 713930 | Marinas |
| 713940 | Fitness and Recreational Sports Centers |
| 721120 | Casino Hotels |
| 813110 | Religious Organizations |
| 813940 | Political Organizations |