SBA Loans

Woori America Bank Small Business Administration Loan is a government guaranteed loan that provides various funding solutions to help small businesses get started and grow.

Whether it's an SBA 7(a), SBA Express or SBA 504 loan, they are more affordable compared to other conventional loans.

Longer repayment terms. Lower monthly payment.
Lower down payments. Lower one time upfront cost.

Comparison Chart

Type	SBA 7(A)	SBA Express	504
Type of Loan & Use of Proceeds	Term Loan Working capital Furniture and fixtures Machinery and equipment Purchase of land and building including construction and renovations Business Acquisition Refinancing of existing debt	Term Loan Revolving line of credit Use of proceeds: Same as SBA 7(a)	Term Loan Structure 10%: Down for Borrower 40%: Financing from CDC 50%: Financing from Bank 15% down for New or Special Acquisition, Construction, Renovation of Building Machinery & Equipment Purchase
Maximum Loan Amount	Up to $5,000M	Up to $350M	Up to $5,000M
Guaranty portion	75%~85%(85%=$150M or less) (75%=Over $150M)	50%	100% of CDC portion
Guaranty Fee (based on guaranteed portion)	2.0%: < $150M 3.0%: $150M~700M 3.5%: > $700M 3.75%: If guaranty portion is over $1,000M	Same as SBA 7(a)	3.15% Guaranteed fee: 0.5% CDC Processing fee: 1.5% Funding / Underwriting:1.15%
Minimum Maturity	Working Capital : 10yrs Equipment : Useful life Property : 25yrs Mixed Use : Weighted Avg	Same as SBA 7(a) LOC - 7yrs including term out period	Property: 20yrs Equipment: 10yrs
Activity Fees	$6.00 per month $0.50 for each deposit $0.15 for each check paid	$6.00 per month $0.50 for each deposit $0.15 for each check paid	After 300 transactions, a $0.50 fee is assessed for each succeeding transaction list 1 list 2

Have a Question?

For more information, please call customer service at 1-888-MyWoori (699-6674) or contact us online.

SBA 융자

우리아메리카은행 SBA 대출 프로그램은 소규모 비즈니스를 시작하거나 확장하려는 고객님들에게 제공되는 미 정부 보증 대출입니다.

대출의 종류로서는 SBA 7(a), SBA Express 그리고 SBA 504 Loan 프로그램을 제공하고 있으며, 일반대출보다 저렴한 기업 대출상품입니다.

상환 기간이 더욱 길어, 매달 내는 금액이 저렴합니다
일반 상용 대출 대비 Down Payment (납입자본금)가 적습니다.

Comparison Chart

Type	SBA 7(A)	SBA Express	504
Type of Loan & Use of Proceeds	Term Loan Working capital Furniture and fixtures Machinery and equipment Purchase of land and building including construction and renovations Business Acquisition Refinancing of existing debt	Term Loan Revolving line of credit Use of proceeds: Same as SBA 7(a)	Term Loan Structure 10%: Down for Borrower 40%: Financing from CDC 50%: Financing from Bank 15% down for New or Special Acquisition, Construction, Renovation of Building Machinery & Equipment Purchase
Maximum Loan Amount	Up to $5,000M	Up to $350M	Up to $5,000M
Guaranty portion	75%~85%(85%=$150M or less) (75%=Over $150M)	50%	100% of CDC portion
Guaranty Fee (based on guaranteed portion)	2.0%: < $150M 3.0%: $150M~700M 3.5%: > $700M 3.75%: If guaranty portion is over $1,000M	Same as SBA 7(a)	3.15% Guaranteed fee: 0.5% CDC Processing fee: 1.5% Funding / Underwriting:1.15%
Minimum Maturity	Working Capital : 10yrs Equipment : Useful life Property : 25yrs Mixed Use : Weighted Avg	Same as SBA 7(a) LOC - 7yrs including term out period	Property: 20yrs Equipment: 10yrs
Activity Fees	$6.00 per month $0.50 for each deposit $0.15 for each check paid	$6.00 per month $0.50 for each deposit $0.15 for each check paid	After 300 transactions, a $0.50 fee is assessed for each succeeding transaction list 1 list 2

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문의사항은 1-888-MyWoori (699-6674) 혹은 온라인뱅킹을 통해 연락바랍니다..

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