Reliable expertise. We have extensive experience and technical expertise in the financial institutions industry. Our professionals are prepared to help you address any challenge and leverage every opportunity. Ryan Abdoo, partner ryan.abdoo@plantemoran.com Scott Petree, partner scott.petree@plantemoran.com plantemoran.com Fixed Interest Rate • The 504 portion of financing has a fixed interest rate for the entire, fully amortizing term. • The interest rate never changes on the 504 portion. • This fixed rate provides payment certainty for the small business owner. Longer Repayment Terms • The 504 loan program can offer a loan term up to 25 years. A 20-year or 10-year SBA 504 loan are other options. • The bank portion of the financing typically has an amortization matching the 504 term/amortization, but can have a term as short as 10 years. • Longer repayment terms mean lower monthly payments, which can improve cash flow and reduce the overall cost of borrowing. By spreading the loan payments over a more extended period, the effective interest rate becomes lower, easing the financial burden on small business owners. Want to compare if the SBA 504 or 7(a) loan is the best fit for your borrower? Check out our recent B:Side University Session at www.bsidecapital.org/training-resources. Jessica Stutz is the lending director at B:Side Capital, a Denver-based, mission-driven organization dedicated to the success of small businesses, leveraging decades of experience, expertise and a commitment to excellence. Her daily joy is working with an amazing team of SBA experts who provide access to SBA capital. B:Side Capital provides SBA 504 and direct loans to small businesses in Colorado, Utah, New Mexico and Arizona, as well lender support to SBA 7(a) lenders nationwide. 9 Colorado Banker
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