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A Picture Speaks a Thousand Words!


Just an Excuse

November 5th, 2008 Filed under: SoCalledCareer, TastyFood by luna

我们公司大部分人都是Republicans. 早在选举日之前就有人想买我的VOTE, 可是…OBAMA还是赢了. 但是这并不阻止我们中午庆祝选举结束. 大家都带了吃的东西.

中午又吃撑了. 想睡觉了.

P.S. 昨晚台球比赛我心服口服地输给了某高手.

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SBA Loan的好坏处

October 2nd, 2008 Filed under: DayDayUp, SoCalledCareer by luna

I’ve always wondered why do business owners like to get a SBA loan? SBA loan requires different government fees and it normally takes longer to get it approved and processed. Today is my lucky day to learn about SBA 7a. 🙂

Number one benefit of getting a SBA loan is higher leverage. Typically conventional mortgage owners often put 20% down, and for SBA owners, they have an option to put only 10% of the entire project costs as down payments, so this leaves them more cash on hand. Conventional mortgages often do not finance the loan costs, where an SBA-guaranteed loan includes the 3rd party costs (appraisal, title, processing, etc.) within the loan.

Longer Terms– 25 year amortization with fixed periods ranging from 3, 5, 7, 10 years and sometimes 25 years is available. Conventional mortgages often have maximum amortization schedules of 15 to 20 years which can make cash flow tight during slow periods. In addition fixed periods rarely exceed 5 years.

No Early Balloon Payment– SBA guaranteed loans are fully-amortizing, meaning that the pays off by the end the amortization period. So the borrower does not have to refinance their loan because of a balloon. Also no payable on demand clause, like most conventional mortgages have.

Below Market Prepayment Penalty– If the term is less than 15 years the borrower does not have a prepay. If the term is more than 15 years than it is a year 3 year prepay, compared to most that are over 5 years. In addition the borrower is allowed to pay up to 25% of the balance without incurring the prepayment penalty. The prepayment penalty is calculated on the amount that is in excess of 25% of the balance, and is 5% in the 1st year, 3% in the second year, and 1% in the third year. Compared to the typical 5% for 5 years or the 5% step down. So, the borrower could actually pay off the entire SBA loan in 3 years and would not have to pay the prepayment penalty.

No Ongoing Debt Service Requirements – Traditional banks often want to monitor a borrowers business financials on a monthly or quarterly basis (after loan closes) to make sure that the businesses cash flows are still sufficient to meet the minimum debt coverage ratios. If the business net income, does not fit the required ratio the bank normally holds the right to call the borrowers loan (Evan if the borrower is current). This monthly monitoring is not normally required on SBA loans.

If a Construction Loan, it’s a One-time Close – Meaning that the borrower will only have to close one loan. In contrast, most construction loans are set up as 2 loans – first is the construction piece, than the borrower would need to secure a second loan (take out) to refinance the first. The borrower would normally be required to pay for a second set of 3rd party fees, etc. Without a second closing, the borrower begins the amortization schedule (repayment) after construction is completed. You only have to sign one set of documents, work with only one lender, and attend only one loan closing.

Anyways, that’s about all the benefits of getting a SBA loan. What are the downfalls? Like I mentioned earlier, it takes longer and requires some government fees. Most of the times, you won’t get the money all at once, and your interest rate is normally higher than a conventional loan.


Dumbbells joke

September 24th, 2008 Filed under: JokeoftheDAY by luna

After debating between ballroom dancing and/or tennis for a while, I have finally made my decision, and signed up for October tennis lessons. It’s a six private lessons course which I am really looking forward to… In order to get me in shape or better prepare myself for the lessons, my sweet boss got me a gift today as an encouragement–Dumbbells.

He was showing me what kind of exercises I could do with the dumbbells. After his demonstration, I had to show off a little, so I did a few sets of the exercises in his office…… and now back to my office, as I am trying to type or hold onto my mouse, my hands cannot stop shaking like I am having a convulsion. 🙁

I DO need to workout more!

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