504 Deal Structure    
 
   
Note Rate
Effective Rate
Rates as of
                       
  Est. Project Costs:         Est. Professional Fees:    
  Land+Building           Engineering costs    
  Construction           Architecture costs    
  Contingency           Appraisal    
  Equip./Furn.           Environmental Report    
  Prof. Fees           Impact / permit fees    
  Debt  Refinance           Utility hook-up fees    
  Other           Title Insurance / fees    
  Total Cost           Bank fees on interim loan    
                Refi Prepay Penalties    
  Has this business been in operation for 2 years or more?         *Total Professional Fees    
 
               
  Will this loan finance a "special purpose" building?                
 
               
                       
  Bank Int. Rate                  
Bank Amort.
yrs
Bank % of Proj.
%
Bank Perm. Fee $
Source
$ %
Est. Borrower Cash Needed
Bank Loan  
Borrower's Equity
504 Loan
SBA TPL Fee
Cash Down
Bank Perm. Fee
  Total Loans         Due from Borrower    
Est. Payments
Mon. Bank Pymt. 
Mon. 504 Pymt.
Total Mon. Pymt.
Annual Debt Pymt.
Provide Data for  Loan Comparisons
  Conventional Bank Loan  
Loan to Value %
Amortization yrs
Interest Rate %
Lender Fee
  SBA  7(a) Loan  
Loan to Value %
Amortization yrs
Interest Rate %
  Comparison of Financing   
504 + Bank
Project financing %
Amortization (yrs)
Interest rate %
Total financing
Monthly payment
Eff int rate
Eq injection
SBA 504 + Bank Fees 
Conventional
Project financing %
Amortization (yrs)
Interest rate %
Total financing
Monthly payment
Eff int rate
Eq injection
Bank Lender Fee
SBA 7(a)
Project financing %
Amortization (yrs)
Interest rate %
Total financing
Monthly payment
Eff int rate
Eq injection
7a Upfront Guaranty Fee
         
504 Deal Structure
Project Costs
Land+Building
Construction
Contingency
Furniture Fixtures & Equip.
Professional Fees
Debt Refinance
Project Name
  Other    
Total Project
Source Amount Pct Rate Yrs Monthly Pymt
Bank Loan
SBA 504 Loan*
Cash Down Payment Monthly Debt Service
Total Financing
Annual Debt Service
* Includes financed 504 fees of 2.15% of the SBA loan amount plus closing fees =
  Est. Borrower Cash Needed   SBA 504 rate: Determined on a monthly basis at the time of debenture sale. Rates and terms are for estimation purposes and not a commitment to lend. Actual terms are subject to eligibility and underwriting of borrower and property.  
Borrower's Equity
Third Party Lender Fee (0.5% Bank Loan)**
Bank Perm. Fee