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1、SBA504LendingZionsBankPeterJ.Morgan,ExecutiveVicePresident1ZionsBankStatistics-2006NewSBA504fundings$600millionAverageloanSize$750K1stmortgageloansize$100Kto$8MAverageloan-to-value(LTV)54%Nationwidemarket50statesIndustries100+2PurchasePrice$2,000,000Bank1
2、stmortgage50%$1,000,000SBA2ndmortgage40%$800,000Borrowerequity10%$200,000Total100%$2,000,000TypicalSBA504LoanStructure3LoanTerms&StructureBank1stMortgage:Generally50%ormoreofprojectcosts;cannotbelessthanSBA504loanNolimiton$amountofloanTermmustbeatleasthal
3、fthatoftheSBA504loan20and25yearmaturitycommon,some30yearsAmountandratescanbemodifiedw/SBAconsentSBA504Debenture:Generally40%ofeligibleprojectcosts;35%ifspecialuseorstart-up,30%ifboth.Term&maturity,10or20yrsNoballoonpaymentsorcallsLoancannotbeaddedtoormodi
4、fiedafterclosingCansubordinatetonew1stmortgage4VarietyofPropertyTypesGenerallymulti-purpose…Office,warehouse,office/warehousemix,lightindustrial,retail,manufacturing,freezer/coldstorage,medicalordentaloffice&clinicsMorespecial-use…Auto/motorcycle/boatdeal
5、er,pre-school,hotels/motel,restaurant,banquet/receptioncenter,veterinaryclinic,day-care,funeralhome,autorepair,bowlingcenter,healthclub/gym,gasstation/c-store,carwash,golfcourse,assistedlivingcenter,grocerystore,theater,marina,amusementpark,etc.5ZionsBank
6、504PortfoliobyPropertyType6BestSBA504ProspectsSmallcompaniesexperiencingrapidgrowthSmallbusinessthatisoutofspaceandwantstograduatefromaleasetobuildingownershipLeasingwithoptiontopurchasebuildingExpandingtooropeningsecondlocationThingstoexpectif…Rapidgrowt
7、h,businessmayonlyshowabilitytoserviceproposeddebtinlast12-18monthsStart-up,priorindustryexperienceiscrucial10%downpayment,higherleverageanddebt/worth,consideroverallfinancialstrengthoftotalpackage7ZionsSBA504MarketingBranchnetworkwithmanagers&loanofficers
8、trainedandfamiliarwithSBAloanprogramsSmallbusinessBusinessDevelopmentOfficecallingnetworkfocusingonSBAloanopportunitiesExcellentrelationshipwitheveryCertifiedDevelopmentCorporation(CDC)inourmulti-statemarketfootprin
