SBA(Áß¼Ò±â¾÷û) Àç³­ ´ëÃâ ½Åû¹æ¹ý
By 84vxxxx Posted: 2020-03-23 14:03:58

 

¹Ì±¹ Áß¼Ò±â¾÷û(SBA)Àº ¸ðµç ±Ô¸ðÀÇ ºñÁî´Ï½º, ¹Î°£ ºñ¿µ¸® ´Üü, ±×¸®°í ÁÖÅú¸À¯ÀÚ¿¡°Ô Àú±Ý¸® ¹× Àå±â ÀçÇØ ´ëÃâÀ» Á¦°øÇÕ´Ï´Ù. SBA Àç³­ ´ëÃâÀº °³ÀÎ ¹× ±â¾÷ÀÌ Àç³­À» ±Øº¹Çϱâ À§ÇÑ °æÁ¦ÀûÀÎ ¹æ¾ÈÀ» Á¦°øÇØÁÖ´Â Á¦µµÀÔ´Ï´Ù.

 

¾Æ·¡¿Í °°Àº ´Ü°è·Î ´ëÃâ½ÅûÀÌ ÁøÇàµË´Ï´Ù:

Step 1: ´ëÃâ ½Åû

  • ¿Â¶óÀÎ(disasterloan.sba.gov/ela), disaster center¿¡ Á÷Á¢ ¹æ¹®, ¶Ç´Â ¿ìÆíÀ¸·Î ½ÅûÇÑ´Ù.
  • ¾î¶² ±Ô¸ðÀÇ »ç¾÷À̵ç, ¹°¸®Àû ¼Õ»óÀ¸·Î ÃÖ´ë 2¹é¸¸ ´Þ·¯±îÁö ´ëÃâÀÌ °¡´ÉÇÏ´Ù.
  • ¼Ò±Ô¸ð »ç¾÷Àڷμ­ ÃÖ´ë 2¹é¸¸ ´Þ·¯ÀÇ »ç¾÷ ´ëÃâ(physical & EIDL)À» ½ÅûÇÒ ¼ö ÀÖ´Ù.

Step 2: ºÎµ¿»ê È®Àΰú ´ëÃâó¸® °áÁ¤

  • SBA¿¡¼­ ¼Õ½Ç°Ë»çÀü¿¡ ±ÍÇÏÀÇ ½Å¿ëÀ» °ËÅäÇÑ´Ù.
  • SBA °ËÁõÀÚ°¡ ÀçÇØ·Î ÀÎÇÑ ¹°¸®Àû ¼Õ½ÇÀÇ ÃѾ×À» ÃßÁ¤ÇÑ´Ù.
  • Loan officer(´ëÃâ ´ã´çÀÚ)°¡ ÀÚ°Ý¿©ºÎ¸¦ °áÁ¤ÇÑ´Ù. ´ëÃâ°¡´É¿©ºÎ ÃÖÁ¾ È®ÀαîÁö ´ëÃâ ´ã´çÀÚ°¡ ±ÍÇÏ¿Í ÇÔ²²ÇÏ¿© 2-3Á־ȿ¡ ÃÖÁ¾ °áÁ¤ÀÌ ³­´Ù.

Step 3: ´ëÃâ ¸¶°¨ ¹× ÀÚ±Ý Áö±Þ

  • SBAÃø¿¡¼­ ±ÍÇÏÀÇ ¼­¸íÀ» À§ÇØ Loan Closing ¼­·ù¸¦ ÁغñÇÏ¿© º¸³½´Ù.
  • ¼­¸íµÈ Loan ClosingÀ» SBA¿¡¼­ ¹Þ´Â ½Ã 5ÀÏ ¾È¿¡ ¾Æ·¡¿Í °°ÀÌ Ãʱâ ÁöºÒÀÌ µÈ´Ù:
    - ¹°¸®Àû ¼Õ»ó: $25,000
    - °æÁ¦Àû ºÎ»ó: $25,000
  • ¸ðµç ´ëÃâ Á¶°ÇÀ» ÃæÁ·½Ã۱â À§ÇØ ÄÉÀ̽º ¸Å´ÏÀú°¡ ±ÍÇÏ¿Í Çù·ÂÇÒ °ÍÀÌ´Ù.
  • ´ëÃâ ¸¶°¨ ÈÄ ±ÍÇÏÀÇ »óȲ º¯È­·Î ÀÎÇØ ´ëÃâ±Ý¾×ÀÌ Á¶Á¤µÉ ¼ö ÀÖ´Ù (¿¹: ¿¹±âÄ¡ ¾ÊÀº ¼ö¸®¿¡ ´ëÇÑ ´ëÃâ Áõ°¡ ¹× Ãß°¡ÀûÀÎ º¸Çè·á·Î ÀÎÇÑ ´ëÃâ °¨¼Ò)

ÁÖ¿ä ¼­·ù:

´ëÃâ ½Åû°ú ÃÖÁ¾ °áÁ¤À» À§ÇØ ¾Æ·¡ÀÇ ¼­·ù°¡ ÇÊ¿äÇÕ´Ï´Ù:

  • Business Loan Application (SBA Form 5) ÀÛ¼º ¹× ¼­¸í
  • IRS Form 4506-T »ç¾÷ÀÚ ¹× »ç¾÷ ¼ÒÀ¯±Ç º¸À¯ÀÚ* ÀÛ¼º ¹× ¼­¸í (*»ç¾÷ÀÇ 20% ÀÌ»ó ¼öÀ¯±ÇÀ» °¡Áö°í ÀÖ´Â ÀÚ, ÀÏ¹Ý ÆÄÆ®³Ê ¶Ç´Â Managing Member, ±× ¿Ü Á¦ÈÞ»ç¾÷¿¡¼­ 50% ÀÌ»óÀÇ ¼ÒÀ¯±ÇÀ» º¸À¯Çϰí ÀÖ´Â ÀÚ; Á¦ÈÞ»ç¾÷Àº ¸ðȸ»ç, ÀÚȸ»ç, ¶Ç´Â °øµ¿ ¼ÒÀ¯±Ç ¹× °øµ¿ °æ¿µÀÚ¸¦ Æ÷ÇÔÇÑ´Ù.)
  • °¡Àå ÃÖ±ÙÀÇ ¸ðµç ¿¬¹æ ¼Òµæ¼¼ ½Å°í ¼­·ù
  • Personal Financial Statement (SBA Form 413)ÀÛ¼º, ¼­¸í ¹× ³¯Â¥ ±âÀÔ (¸ðµç ±â¾÷ ¼ÒÀ¯±Ç º¸À¯ÀÚ)
  • ¸ðµç °íÁ¤ 乫¸¦ ³ª¿­ÇÑ Schedule of Liabilities (SBA Form 2022)
     

±× ¿Ü ÇÊ¿äÇÑ ¼­·ù:

  • °¡Àå ÃÖ±ÙÀÇ ¿¬¹æ ¼Òµæ¼¼ ½Å°í¼­¸¦ Á¦ÃâÇÏÁö ¾ÊÀº °æ¿ì, ¿¬¸» ¼ÕÀÍ °è»ê¼­¿Í ÇØ´ç ³âµµ ´ëÂ÷ ´ëÁ¶Ç¥ Á¦Ãâ °¡´É.
  • ¿ÃÇØ ÃʺÎÅÍ ÇöÀç±îÁöÀÇ ¼ÕÀͰè»ê¼­
  • ¿ùº° ¸ÅÃâ¾×ÀÌ Ç¥±âµÈ Ãß°¡ Á¦Ãâ ¿ä°Ç ¼­·ù (SBA Form 1368)
     

 

µµ¿òÀÌ ÇÊ¿äÇÏ½Ç °æ¿ì disasterloan.sba.gov/ela¿¡ ½Åû ¶Ç´Â 1-800-659-2955(SBA Customer Service Center)¿¡ ¿¬¶ôÇϽñ⠹ٶø´Ï´Ù.

Title View
[°øÁö] Ãë¾÷ Àü¿¡ ¾Èº¸¸é ¹«Á¶°Ç ÈÄȸÇÏ´Â ¿µ»ó
09/03/2024
[°øÁö] Part-time °Ô½ÃÆÇ °øÁö»çÇ×
02/12/2021
¡®¸®¾ó ¾ÆÀ̵𡯠Àǹ«È­ 2°³¿ùÀ¦ 40%´Â ¹Ì¼ÒÁö New
Talk & Talk
24
Æä·¹·Î, WKÄÌ·Î±× Àμö ÁÖ´ç 23´Þ·¯, 31¾ï´Þ·¯ New
Current Economy
28
Æ®·³ÇÁ °ü¼¼¿¡µµ °í¿ë È£Á¶¡¤½Ç¾÷·ü Ç϶ô New
Job & Work Life
31
Æ®·³ÇÁ, À̹ø¿£ ±¸¸®¿¡ 50% °ü¼¼ New
Current Economy
30
ºñÆ®ÄÚÀÎ 11¸¸8õ´Þ·¯µµ µ¹ÆÄ¡¦ ÀÇȸ ¡®Å©¸³ÅäÀ§Å©¡¯ ¾ÕµÎ°í ·¤¸® New
Current Economy
27
°æÂû Àη³­ ½ÉÈ­, ½Å±Ô ä¿ë ¾È°£Èû New
Job & Work Life
27
¡®1+1=3¡¯ ¸¶¹ý ¸¸µç ¾ÖÇðú Áß±¹ÀÇ °øÁ¶¡¦ ¡°ÆÄƼ´Â ³¡³µ´Ù¡± New
Talk & Talk
24
¡®Ú¸ Ä¿ÇÇ¡¤ÁÖ½º ´ë¶õ¡¯ ¿À³ª¡¦ Æ®·³ÇÁÛ¡ ºê¶óÁú ¡®50% °ü¼¼ ÆøÅº¡¯ ÈÄÆøÇ³ New
Travel & Food
23
¡°Çö´ëÂ÷ ¹Ì±¹°øÀå ÀÎÁ¾¡¤Àå¾ÖÀÎ Â÷º°¡± ÀÕµû¶ó ÇÇ¼Ò New
Job & Work Life
39
°ø¹«¿ø ÇØ°í À¯Áö Çã¿ë ´ë¹ý, ÇÏ±Þ½É ÆÇ°áÁß´Ü New
Job & Work Life
40
¹Ì±¹³» Çѱ¹ÀÎ À¯Çлý °è¼Ó °¨¼Ò
College Life
43
¾Æ¸¶Á¸ vs ¿ù¸¶Æ®¡¦ ÇÒÀÎ ÀüÀï ¡®Áø°Ë½ÂºÎ¡¯ µ¹ÀÔ
Talk & Talk
44
¡°±Ý°ª 4,000´Þ·¯±îÁö ¿À¸¥´Ù¡±¡¦ Àü¸Á È®»ê
Current Economy
54
´Þ·¯¡¤¿ø ȯÀ² »ó½Â¼¼ 5.4¿ø ¿Ã¶ó 1,373.20¿ø
Current Economy
50
¼­ºñ½º »ê¾÷, ´Ù½Ã ¼ºÀå¼¼·Î Àüȯ
Current Economy
51
¿£ºñµð¾Æ, ¼¼°è »óÀå±â¾÷ Áß Ã³À½ ½ÃÃÑ 4Á¶ ´Þ·¯ ´Þ¼º
Current Economy
42
¡°¿µÁֱǸ¸À¸·Ð ¾È½É ¸øÇÑ´Ù¡±¡¦ ½Ã¹Î±Ç ½Åû ¹®ÀÇ ±ÞÁõ
Talk & Talk
43
ä¿ë °ø°í ¶Ò...´ëÁ¹ÀÚ Ãë¾÷½ÃÀå \'²Ç²Ç\'
Job & Work Life
47
¿µÁÖ±Ç °»½Å ´Ê¾îÁø´Ù¡¦ I-90 ó¸® 8°³¿ù ¼Ò¿ä
Talk & Talk
48
µ¶ÀÏ ÀÌ¾î Æú¶õµåµµ °Ë¹® °­È­¡¦ \'±¹°æ ¾ø´Â À¯·´\' ¹«³ÊÁ® °£´Ù
Travel & Food
205
\"½ºÅ¸¹÷½º¿¡¼­ ´çÀå »©¶ó\"¡¦Ú¸ Á¤ºÎ Áö½Ã¿¡ \'À̰Í\' »ç¶óÁø´Ù
Travel & Food
212
Ú¸°øÇ×¼­ ½Å¹ß ¾È ¹þ¾îµµ µÈ´Ù¡¦ 19³â ¸¸¿¡ Àǹ« °Ë»ç ÆóÁö
Travel & Food
209
AI ÇÙ½É ÀÎÀç ¸ö°ª ³ô¾ÆÁöÀÚ¡¦ Àεµ·Î ´Þ·Á°¡´Â ºòÅ×Å©µé
Current Economy
222
ÁÖÅú¸Çè·á \'ÆøÅº\' ¿¡ \'¹«º¸Çè\'µµ ´Â´Ù
Talk & Talk
219
LA¿Ã¸²ÇÈ, ÁÖ¿ä °æ±âÀå ¼Ó¼Ó È®Á¤
Talk & Talk
37
¾Ñ! ¹ö½º¿¡ ´Ü¼Ó Ä«¸Þ¶ó°¡¡¦ 293ºÒ ¡®¹ú±Ý ÆøÅº¡¯
Talk & Talk
36
Àü±¹ ½Ç¾÷·ü °¨¼Ò¡¦ °í¿ë½ÃÀå È£Àü
Job & Work Life
216
°øÁ¦Çѵµ 4¸¸´Þ·¯·Î »óÇ⡦ °¡ÁÖ Àç»ê¼¼ ºÎ´ã¡é
Talk & Talk
35
ÀÎÀûºÐÇÒ ¹°ÀûºÐÇÒ ¶æ Â÷ÀÌÁ¡, ÆÄ¸¶¸®¼­Ä¡ »ç·Ê·Î º» ÁÖ°¡ Æø¶ô »çÅÂ
Freebies
37
°æÁ¦ Çٽɵ¿·Â Á¦Á¶¾÷ ºÎÁø¡¦ 4°³¿ù° À§Ãà
Current Economy
52
¼Ò»ó°øÀÎ ¡®ÇѼû¡¯¡¦ ºÒ¹ýÀ̹Π´Ü¼Ó Áö¿ª°æÁ¦ Á÷°Ýź
Current Economy
38
Z¼¼´ë ±¸Á÷ ¡®ÇÏ´ÃÀÇ º° µû±â¡¯¡¦ ¡®ÇÐÀ§ ȸÀǷС¯±îÁö
Job & Work Life
205
¡®¿Ü±¹ÀÎ °ü±¤°´ ±¹¸³°ø¿ø ÀÔÀå·á ´õ ³½´Ù¡¯
Travel & Food
35
[°¨¼¼¹ý¾È¡¦ ³³¼¼ÀÚ µæ°ú ½Ç] ¡®¼Û±Ý¼¼¡¯ ½Å¼³¡¤Àü±âÂ÷ Áö¿ø ÆóÁö¡¦ ÀÚ³à°øÁ¦´Â È®´ë
Talk & Talk
37
Æ®·³ÇÁ ¡®¸Þ°¡ °¨¼¼¹ý¡¯ ¿À¹Ù¸¶Äɾî Á÷°Ýź
Talk & Talk
61