{"id":2630,"date":"2026-03-21T20:57:06","date_gmt":"2026-03-21T20:57:06","guid":{"rendered":"https:\/\/toolstecique.com\/?p=2630"},"modified":"2026-03-21T20:57:06","modified_gmt":"2026-03-21T20:57:06","slug":"sba-504-loan-requirements-complete-2026-guide","status":"publish","type":"post","link":"https:\/\/toolstecique.com\/vi\/sba-504-loan-requirements-complete-2026-guide\/","title":{"rendered":"Y\u00eau c\u1ea7u vay v\u1ed1n SBA 504: H\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7 n\u0103m 2026"},"content":{"rendered":"<p>T\u00f3m l\u1ea1i: \u0110\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n SBA 504 v\u00e0o n\u0103m 2026, doanh nghi\u1ec7p c\u1ee7a b\u1ea1n ph\u1ea3i: (1) ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t c\u00f4ng ty v\u00ec l\u1ee3i nhu\u1eadn t\u1ea1i Hoa K\u1ef3, (2) c\u00f3 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng h\u1eefu h\u00ecnh d\u01b0\u1edbi 20 tri\u1ec7u \u0111\u00f4 la, (3) c\u00f3 thu nh\u1eadp r\u00f2ng b\u00ecnh qu\u00e2n sau thu\u1ebf d\u01b0\u1edbi 6,5 tri\u1ec7u \u0111\u00f4 la trong hai n\u0103m qua, (4) c\u00f3 k\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng \u00edt nh\u1ea5t 51% di\u1ec7n t\u00edch t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3, v\u00e0 (5) t\u1ea1o ra ho\u1eb7c duy tr\u00ec \u00edt nh\u1ea5t m\u1ed9t vi\u1ec7c l\u00e0m cho m\u1ed7i 75.000 \u0111\u00f4 la v\u1ed1n SBA. Kho\u1ea3n vay \u0111\u01b0\u1ee3c c\u1ea5u tr\u00fac nh\u01b0 sau: 50% t\u1eeb ng\u00e2n h\u00e0ng, 40% t\u1eeb C\u00f4ng ty Ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c Ch\u1ee9ng nh\u1eadn (CDC), v\u00e0 10% ti\u1ec1n \u0111\u1eb7t c\u1ecdc t\u1eeb ng\u01b0\u1eddi vay.<\/p>\n<p>N\u1ebfu b\u1ea1n l\u00e0 ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u0111ang t\u00ecm mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c thi\u1ebft b\u1ecb l\u1edbn m\u00e0 kh\u00f4ng mu\u1ed1n s\u1eed d\u1ee5ng h\u1ebft v\u1ed1n l\u01b0u \u0111\u1ed9ng, th\u00ec... <strong>Ch\u01b0\u01a1ng tr\u00ecnh cho vay SBA 504<\/strong> \u0110\u00e2y c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng c\u1ee5 t\u00e0i ch\u00ednh m\u1ea1nh m\u1ebd nh\u1ea5t d\u00e0nh cho b\u1ea1n \u2014 v\u1edbi kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc ch\u1ec9 t\u1eeb 10% v\u00e0 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh l\u00ean \u0111\u1ebfn 25 n\u0103m.<\/p>\n<p>Nh\u01b0ng vi\u1ec7c \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n kh\u00f4ng \u0111\u01a1n gi\u1ea3n nh\u01b0 \u0111\u1ebfn ng\u00e2n h\u00e0ng. Ch\u01b0\u01a1ng tr\u00ecnh SBA 504 c\u00f3 c\u00e1c quy t\u1eafc \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, c\u1ea5u tr\u00fac kho\u1ea3n vay v\u00e0 y\u00eau c\u1ea7u v\u1ec1 gi\u1ea5y t\u1edd ri\u00eang bi\u1ec7t, kh\u00e1c v\u1edbi kho\u1ea3n vay kinh doanh th\u00f4ng th\u01b0\u1eddng. H\u01b0\u1edbng d\u1eabn n\u00e0y s\u1ebd gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng t\u1ea5t c\u1ea3 nh\u1eefng \u0111i\u1ec1u \u0111\u00f3 \u0111\u1ec3 b\u1ea1n bi\u1ebft ch\u00ednh x\u00e1c m\u00ecnh \u0111ang \u1edf v\u1ecb tr\u00ed n\u00e0o tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n.<\/p>\n<p>Ch\u00fang t\u00f4i s\u1ebd \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ecdi y\u00eau c\u1ea7u, c\u1ea5u tr\u00fac kho\u1ea3n vay 50\/40\/10, l\u00e3i su\u1ea5t hi\u1ec7n h\u00e0nh n\u0103m 2026 v\u00e0 nh\u1eefng gi\u1ea5y t\u1edd b\u1ea1n c\u1ea7n. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng mi\u1ec5n ph\u00ed <a href=\"https:\/\/toolstecique.com\/vi\/sba-504-loan-calculator\/\">C\u00f4ng c\u1ee5 t\u00ednh to\u00e1n kho\u1ea3n vay SBA 504 tr\u00ean ToolsTecique<\/a> H\u00e3y l\u1eadp m\u00f4 h\u00ecnh d\u1ef1 to\u00e1n c\u00e1c kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng tr\u01b0\u1edbc khi b\u1ea1n li\u00ean h\u1ec7 v\u1edbi ng\u01b0\u1eddi cho vay.<\/p>\n<h2>Kho\u1ea3n vay SBA 504 l\u00e0 g\u00ec?<\/h2>\n<p>Kho\u1ea3n vay SBA 504, t\u00ean ch\u00ednh th\u1ee9c l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh C\u00f4ng ty Ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c Ch\u1ee9ng nh\u1eadn (CDC) \u2014 l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh t\u00e0i tr\u1ee3 do ch\u00ednh ph\u1ee7 h\u1ed7 tr\u1ee3, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1eb7c bi\u1ec7t cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf mua s\u1eafm <strong>t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh d\u00e0i h\u1ea1n<\/strong>B\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i, \u0111\u1ea5t \u0111ai, nh\u00e0 c\u1eeda ho\u1eb7c thi\u1ebft b\u1ecb ch\u00ednh do ch\u1ee7 s\u1edf h\u1eefu t\u1ef1 s\u1eed d\u1ee5ng, c\u00f3 th\u1eddi gian s\u1eed d\u1ee5ng h\u1eefu \u00edch \u00edt nh\u1ea5t 10 n\u0103m.<\/p>\n<p>Kh\u00f4ng gi\u1ed1ng nh\u01b0 kho\u1ea3n vay SBA 7(a) c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho h\u1ea7u h\u1ebft m\u1ecdi th\u1ee9, kho\u1ea3n vay 504 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh. \u0110i\u1ec1u \u0111\u00f3 khi\u1ebfn n\u00f3 c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf h\u01a1n v\u1ec1 m\u1ee5c \u0111\u00edch t\u00e0i tr\u1ee3 \u2014 nh\u01b0ng b\u00f9 l\u1ea1i, n\u00f3 cung c\u1ea5p c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u1ed1t h\u01a1n \u0111\u00e1ng k\u1ec3: kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc th\u1ea5p h\u01a1n, th\u1eddi gian tr\u1ea3 n\u1ee3 d\u00e0i h\u01a1n v\u00e0 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh gi\u00fap b\u1ea3o v\u1ec7 b\u1ea1n kh\u1ecfi s\u1ef1 bi\u1ebfn \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/p>\n<h3>Kho\u1ea3n vay SBA 504 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho nh\u1eefng m\u1ee5c \u0111\u00edch n\u00e0o?<\/h3>\n<ul>\n<li>Mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i do ch\u1ee7 s\u1edf h\u1eefu t\u1ef1 s\u1eed d\u1ee5ng (t\u00f2a nh\u00e0 v\u0103n ph\u00f2ng, nh\u00e0 kho, m\u1eb7t b\u1eb1ng b\u00e1n l\u1ebb)<\/li>\n<li>Mua \u0111\u1ea5t v\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t t\u00f2a nh\u00e0 th\u01b0\u01a1ng m\u1ea1i m\u1edbi<\/li>\n<li>C\u1ea3i t\u1ea1o ho\u1eb7c m\u1edf r\u1ed9ng b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n c\u00f3<\/li>\n<li>Mua s\u1eafm m\u00e1y m\u00f3c v\u00e0 thi\u1ebft b\u1ecb h\u1ea1ng n\u1eb7ng c\u00f3 tu\u1ed5i th\u1ecd cao (s\u1ea3n xu\u1ea5t, in \u1ea5n, c\u00f4ng nghi\u1ec7p)<\/li>\n<li>T\u00e1i c\u1ea5u tr\u00fac kho\u1ea3n n\u1ee3 b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n c\u00f3 (theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3)<\/li>\n<\/ul>\n<table width=\"624\">\n<tbody>\n<tr>\n<td width=\"624\"><strong>Nh\u1eefng g\u00ec n\u00f3 kh\u00f4ng th\u1ec3 t\u00e0i tr\u1ee3<\/strong><\/p>\n<p>\u2717 V\u1ed1n l\u01b0u \u0111\u1ed9ng ho\u1eb7c h\u00e0ng t\u1ed3n kho<\/p>\n<p>\u2717 H\u1ee3p nh\u1ea5t ho\u1eb7c tr\u1ea3 h\u1ebft ph\u1ea7n l\u1edbn n\u1ee3 kinh doanh hi\u1ec7n c\u00f3<\/p>\n<p>\u2717 B\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ea7u t\u01b0 ho\u1eb7c b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho thu\u00ea nh\u1eb1m m\u1ee5c \u0111\u00edch sinh l\u1eddi<\/p>\n<p>\u2717 C\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u c\u01a1 ho\u1eb7c kinh doanh thu nh\u1eadp th\u1ee5 \u0111\u1ed9ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Gi\u1ea3i th\u00edch c\u1ea5u tr\u00fac kho\u1ea3n vay 50\/40\/10<\/h2>\n<p>Kho\u1ea3n vay SBA 504 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t kho\u1ea3n vay duy nh\u1ea5t t\u1eeb \u200b\u200bm\u1ed9t b\u00ean cho vay \u2014 \u0111\u00f3 l\u00e0 m\u1ed9t c\u1ea5u tr\u00fac ba b\u00ean m\u00e0 h\u1ea7u h\u1ebft c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u0111\u1ec1u th\u1ea5y kh\u00e1 d\u1ec5 hi\u1ec3u m\u1ed9t khi h\u1ecd n\u1eafm r\u00f5 chi ti\u1ebft.<\/p>\n<table width=\"624\">\n<thead>\n<tr>\n<td width=\"187\"><strong>Bu\u1ed5i ti\u1ec7c<\/strong><\/td>\n<td width=\"133\"><strong>S\u1ef1 \u0111\u00f3ng g\u00f3p<\/strong><\/td>\n<td width=\"120\"><strong>V\u1ecb th\u1ebf th\u1ebf ch\u1ea5p<\/strong><\/td>\n<td width=\"184\"><strong>Chi ti\u1ebft quan tr\u1ecdng<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"187\">Ng\u00e2n h\u00e0ng\/T\u1ed5 ch\u1ee9c cho vay truy\u1ec1n th\u1ed1ng<\/td>\n<td width=\"133\">50% chi ph\u00ed d\u1ef1 \u00e1n<\/td>\n<td width=\"120\">Quy\u1ec1n \u01b0u ti\u00ean th\u1ebf ch\u1ea5p<\/td>\n<td width=\"184\">\u0110i\u1ec1u kho\u1ea3n th\u01b0\u01a1ng m\u1ea1i ti\u00eau chu\u1ea9n, th\u1eddi h\u1ea1n t\u1ed1i thi\u1ec3u 10 n\u0103m.<\/td>\n<\/tr>\n<tr>\n<td width=\"187\">C\u00f4ng ty ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn (CDC)<\/td>\n<td width=\"133\">40% chi ph\u00ed d\u1ef1 \u00e1n<\/td>\n<td width=\"120\">kho\u1ea3n th\u1ebf ch\u1ea5p th\u1ee9 hai<\/td>\n<td width=\"184\">Tr\u00e1i phi\u1ebfu l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh, \u0111\u01b0\u1ee3c SBA b\u1ea3o l\u00e3nh<\/td>\n<\/tr>\n<tr>\n<td width=\"187\">B\u1ea1n (ng\u01b0\u1eddi vay)<\/td>\n<td width=\"133\">Tr\u1ea3 tr\u01b0\u1edbc 10%<\/td>\n<td width=\"120\">\u2014<\/td>\n<td width=\"184\">Gi\u1ea3m gi\u00e1 15\u201320% cho c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p ho\u1eb7c c\u00e1c b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00f3 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng \u0111\u1eb7c bi\u1ec7t.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>C\u1ea5u tr\u00fac n\u00e0y ch\u00ednh l\u00e0 \u0111i\u1ec1u l\u00e0m cho ch\u01b0\u01a1ng tr\u00ecnh SBA 504 tr\u1edf n\u00ean h\u1ea5p d\u1eabn: b\u1ea1n ch\u1ec9 c\u1ea7n \u0111\u1eb7t c\u1ecdc m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ecf. <strong>Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, t\u1ef7 l\u1ec7 n\u00e0y l\u00e0 10%.<\/strong>So v\u1edbi m\u1ee9c 20-30% \u0111\u1ed1i v\u1edbi kho\u1ea3n vay b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i th\u00f4ng th\u01b0\u1eddng, \u0111i\u1ec1u n\u00e0y gi\u00fap b\u1ea3o to\u00e0n m\u1ed9t l\u01b0\u1ee3ng v\u1ed1n l\u01b0u \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 cho ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a b\u1ea1n.<\/p>\n<p>S\u1eed d\u1ee5ng <a href=\"https:\/\/toolstecique.com\/vi\/sba-504-loan-calculator\/\">M\u00e1y t\u00ednh kho\u1ea3n vay SBA 504<\/a> \u0110\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 xem ch\u00ednh x\u00e1c chi ph\u00ed d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 nh\u01b0 th\u1ebf n\u00e0o cho c\u1ea3 ba b\u00ean v\u00e0 kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n s\u1ebd ra sao tr\u01b0\u1edbc khi cam k\u1ebft.<\/p>\n<h2>\u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n vay v\u1ed1n SBA 504 (n\u0103m 2026)<\/h2>\n<p>\u0110\u00e2y l\u00e0 c\u00e1c ti\u00eau ch\u00ed \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n ch\u00ednh th\u1ee9c do C\u1ee5c Qu\u1ea3n l\u00fd Doanh nghi\u1ec7p Nh\u1ecf Hoa K\u1ef3 (US Small Business Administration) \u0111\u1eb7t ra. Doanh nghi\u1ec7p c\u1ee7a b\u1ea1n ph\u1ea3i \u0111\u00e1p \u1ee9ng t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau:<\/p>\n<h3>\u0110i\u1ec1u ki\u1ec7n kinh doanh<\/h3>\n<ul>\n<li><strong>Ch\u1ec9 d\u00e0nh cho m\u1ee5c \u0111\u00edch kinh doanh v\u00ec l\u1ee3i nhu\u1eadn: <\/strong>Doanh nghi\u1ec7p c\u1ee7a b\u1ea1n ph\u1ea3i ho\u1ea1t \u0111\u1ed9ng v\u00ec l\u1ee3i nhu\u1eadn. C\u00e1c t\u1ed5 ch\u1ee9c phi l\u1ee3i nhu\u1eadn, t\u1ed5 ch\u1ee9c t\u1eeb thi\u1ec7n v\u00e0 c\u00e1c c\u01a1 quan ch\u00ednh ph\u1ee7 kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/li>\n<li><strong>C\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Hoa K\u1ef3: <\/strong>Doanh nghi\u1ec7p ph\u1ea3i c\u00f3 \u0111\u1ecba \u0111i\u1ec3m \u0111\u1eb7t tr\u1ee5 s\u1edf v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Hoa K\u1ef3 ho\u1eb7c c\u00e1c v\u00f9ng l\u00e3nh th\u1ed5 c\u1ee7a Hoa K\u1ef3.<\/li>\n<li><strong>Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng d\u01b0\u1edbi 20 tri\u1ec7u \u0111\u00f4 la: <\/strong>Gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng h\u1eefu h\u00ecnh c\u1ee7a doanh nghi\u1ec7p b\u1ea1n ph\u1ea3i d\u01b0\u1edbi 20 tri\u1ec7u \u0111\u00f4 la t\u1ea1i th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n.<\/li>\n<li><strong>L\u1ee3i nhu\u1eadn r\u00f2ng d\u01b0\u1edbi 6,5 tri\u1ec7u \u0111\u00f4 la: <\/strong>Thu nh\u1eadp r\u00f2ng b\u00ecnh qu\u00e2n sau khi tr\u1eeb thu\u1ebf li\u00ean bang trong hai n\u0103m t\u00e0i ch\u00ednh tr\u01b0\u1edbc \u0111\u00f3 ph\u1ea3i d\u01b0\u1edbi 6,5 tri\u1ec7u \u0111\u00f4 la.<\/li>\n<li><strong>Ti\u00eau chu\u1ea9n quy m\u00f4 c\u1ee7a SBA: <\/strong>Doanh nghi\u1ec7p ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n v\u1ec1 quy m\u00f4 doanh nghi\u1ec7p nh\u1ecf c\u1ee7a SBA, c\u00e1c ti\u00eau chu\u1ea9n n\u00e0y kh\u00e1c nhau t\u00f9y theo ng\u00e0nh ngh\u1ec1 (d\u1ef1a tr\u00ean doanh thu ho\u1eb7c s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n vi\u00ean).<\/li>\n<li><strong>Kh\u00f4ng c\u00f3 ti\u1ec1n s\u1eed v\u1ee1 n\u1ee3 kho\u1ea3n vay li\u00ean bang tr\u01b0\u1edbc \u0111\u00e2y: <\/strong>Doanh nghi\u1ec7p c\u1ee7a b\u1ea1n v\u00e0 c\u00e1c l\u00e3nh \u0111\u1ea1o doanh nghi\u1ec7p kh\u00f4ng \u0111\u01b0\u1ee3c c\u00f3 ti\u1ec1n \u00e1n v\u1ec1 vi\u1ec7c v\u1ee1 n\u1ee3 kho\u1ea3n vay li\u00ean bang ho\u1eb7c g\u00e2y thi\u1ec7t h\u1ea1i cho ch\u00ednh ph\u1ee7.<\/li>\n<\/ul>\n<h3>Ch\u1ee7 s\u1edf h\u1eefu &amp; \u0110i\u1ec1u ki\u1ec7n c\u00e1 nh\u00e2n<\/h3>\n<ul>\n<li><strong>Qu\u1ed1c t\u1ecbch: <\/strong>Theo h\u01b0\u1edbng d\u1eabn c\u1eadp nh\u1eadt c\u1ee7a SBA c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb th\u00e1ng 3 n\u0103m 2026, c\u00e1c ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a c\u00f4ng ty \u0111i\u1ec1u h\u00e0nh n\u1eafm gi\u1eef t\u1eeb 20% c\u1ed5 ph\u1ea7n tr\u1edf l\u00ean ph\u1ea3i l\u00e0 c\u00f4ng d\u00e2n Hoa K\u1ef3 ho\u1eb7c th\u01b0\u1eddng tr\u00fa nh\u00e2n (ng\u01b0\u1eddi c\u00f3 th\u1ebb xanh).<\/li>\n<li><strong>B\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n: <\/strong>B\u1ea5t k\u1ef3 ai s\u1edf h\u1eefu t\u1eeb 20% tr\u1edf l\u00ean c\u1ed5 ph\u1ea7n c\u1ee7a doanh nghi\u1ec7p ho\u1eb7c b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u1ec1u ph\u1ea3i cung c\u1ea5p b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n \u0111\u1ea7y \u0111\u1ee7 v\u00e0 kh\u00f4ng gi\u1edbi h\u1ea1n cho kho\u1ea3n vay.<\/li>\n<li><strong>\u0110\u00e1nh gi\u00e1 nh\u00e2n v\u1eadt: <\/strong>T\u1ea5t c\u1ea3 hi\u1ec7u tr\u01b0\u1edfng ph\u1ea3i cung c\u1ea5p b\u1ea3n khai l\u00fd l\u1ecbch c\u00e1 nh\u00e2n. B\u1ea5t k\u1ef3 s\u1ef1 d\u00ednh l\u00edu n\u00e0o \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng t\u1ed9i ph\u1ea1m \u0111\u1ec1u c\u00f3 th\u1ec3 khi\u1ebfn \u0111\u01a1n xin vi\u1ec7c b\u1ecb lo\u1ea1i.<\/li>\n<\/ul>\n<h3>Y\u00eau c\u1ea7u v\u1ec1 B\u1ea5t \u0111\u1ed9ng s\u1ea3n &amp; D\u1ef1 \u00e1n<\/h3>\n<ul>\n<li><strong>Ch\u1ee7 s\u1edf h\u1eefu t\u1ef1 \u1edf \u2014 t\u00f2a nh\u00e0 hi\u1ec7n c\u00f3: <\/strong>B\u1ea1n ph\u1ea3i c\u01b0 tr\u00fa l\u00e2u d\u00e0i \u00edt nh\u1ea5t <strong>51% c\u1ee7a t\u00f2a nh\u00e0<\/strong> \u0111ang \u0111\u01b0\u1ee3c mua.<\/li>\n<li><strong>Nh\u00e0 \u1edf do ch\u1ee7 s\u1edf h\u1eefu t\u1ef1 \u1edf \u2014 nh\u00e0 x\u00e2y m\u1edbi: <\/strong>B\u1ea1n ph\u1ea3i l\u1eadp t\u1ee9c chi\u1ebfm gi\u1eef \u00edt nh\u1ea5t <strong>60% c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng m\u1edbi<\/strong> v\u00e0 d\u1ef1 ki\u1ebfn \u200b\u200bs\u1ebd s\u1eed d\u1ee5ng 80% trong v\u00f2ng 10 n\u0103m.<\/li>\n<li><strong>Ch\u1ec9 d\u00e0nh cho m\u1ee5c \u0111\u00edch kinh doanh: <\/strong>T\u00e0i s\u1ea3n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh h\u1ee3p ph\u00e1p, kh\u00f4ng \u0111\u01b0\u1ee3c n\u1eafm gi\u1eef nh\u01b0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/li>\n<li><strong>N\u1eb1m \u1edf Hoa K\u1ef3: <\/strong>D\u1ef1 \u00e1n b\u1ea5t \u0111\u1ed9ng s\u1ea3n ph\u1ea3i n\u1eb1m \u1edf Hoa K\u1ef3.<\/li>\n<\/ul>\n<h3>Y\u00eau c\u1ea7u t\u1ea1o vi\u1ec7c l\u00e0m<\/h3>\n<p>\u0110\u00e2y l\u00e0 m\u1ed9t y\u00eau c\u1ea7u khi\u1ebfn nhi\u1ec1u \u1ee9ng vi\u00ean g\u1eb7p kh\u00f3 kh\u0103n. <a href=\"https:\/\/www.congress.gov\/crs-product\/R41184\">SBA y\u00eau c\u1ea7u<\/a> d\u1ef1 \u00e1n c\u1ee7a b\u1ea1n <strong>T\u1ea1o ra ho\u1eb7c duy tr\u00ec \u00edt nh\u1ea5t m\u1ed9t vi\u1ec7c l\u00e0m to\u00e0n th\u1eddi gian t\u01b0\u01a1ng \u0111\u01b0\u01a1ng cho m\u1ed7i 75.000 \u0111\u00f4 la ti\u1ec1n t\u00e0i tr\u1ee3 t\u1eeb CDC\/SBA.<\/strong> \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c. \u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty s\u1ea3n xu\u1ea5t, ng\u01b0\u1ee1ng l\u00e0 m\u1ed9t vi\u1ec7c l\u00e0m cho m\u1ed7i 120.000 \u0111\u00f4 la.<\/p>\n<p>N\u1ebfu d\u1ef1 \u00e1n c\u1ee7a b\u1ea1n kh\u00f4ng \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u t\u1ea1o vi\u1ec7c l\u00e0m, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n b\u1eb1ng c\u00e1ch \u0111\u00e1p \u1ee9ng m\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng ho\u1eb7c ch\u00ednh s\u00e1ch c\u00f4ng, ch\u1eb3ng h\u1ea1n nh\u01b0 ho\u1ea1t \u0111\u1ed9ng \u1edf khu v\u1ef1c n\u00f4ng th\u00f4n, ph\u1ee5c v\u1ee5 c\u1ed9ng \u0111\u1ed3ng thu nh\u1eadp th\u1ea5p ho\u1eb7c c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 n\u0103ng l\u01b0\u1ee3ng.<\/p>\n<p><em>Xem th\u00eam:<strong> <a href=\"https:\/\/toolstecique.com\/vi\/sba-504-loan-vs-7a-which-small-business-loan-is-right-for-you\/\">Kho\u1ea3n vay SBA 504 so v\u1edbi kho\u1ea3n vay 7(a)<\/a><\/strong><\/em><\/p>\n<h2>Gi\u1edbi h\u1ea1n v\u00e0 l\u00e3i su\u1ea5t cho vay SBA 504 (th\u00e1ng 3 n\u0103m 2026)<\/h2>\n<p>&nbsp;<\/p>\n<table width=\"624\">\n<thead>\n<tr>\n<td width=\"267\"><strong>Chi ti\u1ebft<\/strong><\/td>\n<td width=\"179\"><strong>Ti\u00eau chu\u1ea9n<\/strong><\/td>\n<td width=\"179\"><strong>S\u1ea3n xu\u1ea5t \/ D\u1ef1 \u00e1n xanh<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"267\">S\u1ed1 ti\u1ec1n vay t\u1ed1i \u0111a c\u1ee7a SBA\/CDC<\/td>\n<td width=\"179\">$5,000,000<\/td>\n<td width=\"179\">$5,500,000<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">S\u1ed1 ti\u1ec1n vay t\u1ed1i thi\u1ec3u<\/td>\n<td width=\"179\">$50,000<\/td>\n<td width=\"179\">$50,000<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Kho\u1ea3n ti\u1ec1n \u0111\u1eb7t c\u1ecdc c\u1ee7a ng\u01b0\u1eddi vay<\/td>\n<td width=\"179\">10%<\/td>\n<td width=\"179\">10%<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Ti\u1ec1n \u0111\u1eb7t c\u1ecdc (kh\u1edfi nghi\u1ec7p &lt;2 n\u0103m)<\/td>\n<td width=\"179\">15%<\/td>\n<td width=\"179\">15%<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Ti\u1ec1n \u0111\u1eb7t c\u1ecdc (b\u1ea5t \u0111\u1ed9ng s\u1ea3n s\u1eed d\u1ee5ng \u0111\u1eb7c bi\u1ec7t)<\/td>\n<td width=\"179\">15\u201320%<\/td>\n<td width=\"179\">15\u201320%<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 \u2014 b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/td>\n<td width=\"179\">20 ho\u1eb7c 25 n\u0103m<\/td>\n<td width=\"179\">20 ho\u1eb7c 25 n\u0103m<\/td>\n<\/tr>\n<tr>\n<td width=\"267\">Th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 \u2014 thi\u1ebft b\u1ecb<\/td>\n<td width=\"179\">10 n\u0103m<\/td>\n<td width=\"179\">10 n\u0103m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>L\u00e3i su\u1ea5t th\u1ef1c hi\u1ec7n hi\u1ec7n h\u00e0nh c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh SBA 504 t\u00ednh \u0111\u1ebfn th\u00e1ng 3 n\u0103m 2026 (c\u1ed1 \u0111\u1ecbnh, \u0111\u00e3 bao g\u1ed3m ph\u00ed d\u1ecbch v\u1ee5):<\/p>\n<ul>\n<li>K\u1ef3 h\u1ea1n 25 n\u0103m (ti\u00eau chu\u1ea9n): 5,72%<\/li>\n<li>K\u1ef3 h\u1ea1n 20 n\u0103m (ti\u00eau chu\u1ea9n): 5,78%<\/li>\n<li>K\u1ef3 h\u1ea1n 10 n\u0103m (ti\u00eau chu\u1ea9n): 5,61%<\/li>\n<\/ul>\n<p>C\u00e1c m\u1ee9c l\u00e3i su\u1ea5t n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp h\u00e0ng th\u00e1ng d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t tr\u00e1i phi\u1ebfu kho b\u1ea1c Hoa K\u1ef3 v\u00e0 thay \u0111\u1ed5i m\u1ed7i th\u00e1ng. \u0110\u1ec3 t\u00ednh to\u00e1n ch\u00ednh x\u00e1c s\u1ed1 ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 theo l\u00e3i su\u1ea5t hi\u1ec7n t\u1ea1i, h\u00e3y s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 mi\u1ec5n ph\u00ed. <a href=\"https:\/\/toolstecique.com\/vi\/sba-504-loan-calculator\/\">M\u00e1y t\u00ednh kho\u1ea3n vay SBA 504<\/a>.<\/p>\n<h2>C\u00e1c gi\u1ea5y t\u1edd b\u1ea1n c\u1ea7n \u0111\u1ec3 n\u1ed9p \u0111\u01a1n<\/h2>\n<p>Chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 gi\u1ea5y t\u1edd s\u1edbm l\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t ch\u01b0\u01a1ng tr\u00ecnh SBA 504. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng gi\u1ea5y t\u1edd m\u00e0 h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDC) v\u00e0 c\u00e1c nh\u00e0 cho vay s\u1ebd y\u00eau c\u1ea7u:<\/p>\n<h3>T\u00e0i li\u1ec7u kinh doanh<\/h3>\n<ul>\n<li>B\u00e1o c\u00e1o thu\u1ebf doanh nghi\u1ec7p 3 n\u0103m g\u1ea7n \u0111\u00e2y<\/li>\n<li>B\u00e1o c\u00e1o t\u00e0i ch\u00ednh 3 n\u0103m g\u1ea7n nh\u1ea5t c\u1ee7a doanh nghi\u1ec7p (b\u00e1o c\u00e1o l\u00e3i l\u1ed7, b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n)<\/li>\n<li>B\u00e1o c\u00e1o t\u00e0i ch\u00ednh t\u1eeb \u0111\u1ea7u n\u0103m \u0111\u1ebfn nay<\/li>\n<li>B\u1ea3ng k\u00ea n\u1ee3 doanh nghi\u1ec7p (t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n vay v\u00e0 ngh\u0129a v\u1ee5 ch\u01b0a thanh to\u00e1n)<\/li>\n<li>K\u1ebf ho\u1ea1ch kinh doanh (b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p ho\u1eb7c doanh nghi\u1ec7p d\u01b0\u1edbi 2 n\u0103m tu\u1ed5i)<\/li>\n<li>Gi\u1ea5y ph\u00e9p kinh doanh, \u0111\u0103ng k\u00fd v\u00e0 c\u00e1c t\u00e0i li\u1ec7u th\u00e0nh l\u1eadp doanh nghi\u1ec7p (c\u00f4ng ty TNHH, \u0111i\u1ec1u l\u1ec7 c\u00f4ng ty, v.v.)<\/li>\n<\/ul>\n<h3>H\u1ed3 s\u01a1 c\u00e1 nh\u00e2n (T\u1ea5t c\u1ea3 ch\u1ee7 s\u1edf h\u1eefu c\u00f3 c\u1ed5 ph\u1ea7n t\u1eeb 20% tr\u1edf l\u00ean)<\/h3>\n<ul>\n<li>T\u1edd khai thu\u1ebf c\u00e1 nh\u00e2n 3 n\u0103m g\u1ea7n \u0111\u00e2y<\/li>\n<li>B\u00e1o c\u00e1o t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n (M\u1eabu SBA 413)<\/li>\n<li>S\u01a1 y\u1ebfu l\u00fd l\u1ecbch \/ B\u1ea3n t\u00f3m t\u1eaft l\u00fd l\u1ecbch c\u00e1 nh\u00e2n<\/li>\n<li>Gi\u1ea5y t\u1edd t\u00f9y th\u00e2n c\u00f3 \u1ea3nh do ch\u00ednh ph\u1ee7 c\u1ea5p v\u00e0 b\u1eb1ng ch\u1ee9ng qu\u1ed1c t\u1ecbch\/n\u01a1i c\u01b0 tr\u00fa.<\/li>\n<\/ul>\n<h3>H\u1ed3 s\u01a1 d\u1ef1 \u00e1n\/b\u1ea5t \u0111\u1ed9ng s\u1ea3n<\/h3>\n<ul>\n<li>H\u1ee3p \u0111\u1ed3ng mua b\u00e1n ho\u1eb7c th\u01b0 b\u00e0y t\u1ecf \u00fd \u0111\u1ecbnh mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n ho\u1eb7c thi\u1ebft b\u1ecb.<\/li>\n<li>\u0110\u1ecbnh gi\u00e1 b\u1ea5t \u0111\u1ed9ng s\u1ea3n (gi\u00e1 tr\u1ecb hi\u1ec7n tr\u1ea1ng v\u00e0 gi\u00e1 tr\u1ecb d\u1ef1 ki\u1ebfn \u200b\u200bcho c\u00e1c d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng)<\/li>\n<li>B\u00e1o c\u00e1o \u0111\u00e1nh gi\u00e1 t\u00e1c \u0111\u1ed9ng m\u00f4i tr\u01b0\u1eddng (Giai \u0111o\u1ea1n I, \u0111\u00f4i khi l\u00e0 Giai \u0111o\u1ea1n II)<\/li>\n<li>B\u1ea3n v\u1ebd thi\u1ebft k\u1ebf, s\u01a1 \u0111\u1ed3 x\u00e2y d\u1ef1ng v\u00e0 d\u1ef1 to\u00e1n chi ph\u00ed (cho c\u00f4ng tr\u00ecnh x\u00e2y m\u1edbi ho\u1eb7c c\u1ea3i t\u1ea1o l\u1edbn)<\/li>\n<li>H\u1ee3p \u0111\u1ed3ng cho thu\u00ea n\u1ebfu b\u1ea5t \u0111\u1ed9ng s\u1ea3n \u0111\u00f3 hi\u1ec7n \u0111ang c\u00f3 ng\u01b0\u1eddi thu\u00ea.<\/li>\n<\/ul>\n<h2>H\u01b0\u1edbng d\u1eabn t\u1eebng b\u01b0\u1edbc c\u00e1ch \u0111\u0103ng k\u00fd vay v\u1ed1n SBA 504<\/h2>\n<ol>\n<li><strong>T\u00ecm m\u1ed9t c\u00f4ng ty ph\u00e1t tri\u1ec3n \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn (CDC): <\/strong>CDC l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c cho vay phi l\u1ee3i nhu\u1eadn qu\u1ea3n l\u00fd ch\u01b0\u01a1ng tr\u00ecnh SBA 504. H\u00e3y s\u1eed d\u1ee5ng... <a href=\"https:\/\/www.sba.gov\/funding-programs\/loans\/504-loans\/list-certified-development-companies\">C\u00f4ng c\u1ee5 \u0111\u1ecbnh v\u1ecb CDC c\u1ee7a SBA<\/a>\u00a0B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm m\u1ed9t ng\u01b0\u1eddi \u1edf khu v\u1ef1c c\u1ee7a m\u00ecnh. H\u1ecd ho\u00e0n to\u00e0n mi\u1ec5n ph\u00ed v\u00e0 s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n xuy\u00ean su\u1ed1t to\u00e0n b\u1ed9 quy tr\u00ecnh.<\/li>\n<li><strong>H\u00e3y ch\u1ecdn m\u1ed9t t\u1ed5 ch\u1ee9c cho vay truy\u1ec1n th\u1ed1ng: <\/strong>B\u1ea1n c\u0169ng c\u1ea7n m\u1ed9t ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u1ec3 vay 50% c\u00f2n l\u1ea1i. Trung t\u00e2m ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDC) th\u01b0\u1eddng c\u00f3 th\u1ec3 gi\u1edbi thi\u1ec7u cho b\u1ea1n nh\u1eefng ng\u01b0\u1eddi cho vay m\u00e0 h\u1ecd \u0111\u00e3 t\u1eebng h\u1ee3p t\u00e1c tr\u01b0\u1edbc \u0111\u00e2y.<\/li>\n<li><strong>T\u00ednh to\u00e1n chi ph\u00ed d\u1ef1 \u00e1n c\u1ee7a b\u1ea1n: <\/strong>S\u1eed d\u1ee5ng C\u00f4ng c\u1ee5 t\u00ednh to\u00e1n kho\u1ea3n vay SBA 504 \u0111\u1ec3 m\u00f4 ph\u1ecfng \u0111\u1ea7y \u0111\u1ee7 t\u1ef7 l\u1ec7 ph\u00e2n b\u1ed5 50\/40\/10, \u01b0\u1edbc t\u00ednh kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng v\u00e0 xem th\u1eddi h\u1ea1n vay \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn d\u00f2ng ti\u1ec1n c\u1ee7a b\u1ea1n nh\u01b0 th\u1ebf n\u00e0o.<\/li>\n<li><strong>H\u00e3y chu\u1ea9n b\u1ecb c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a b\u1ea1n: <\/strong>H\u00e3y s\u1eed d\u1ee5ng danh s\u00e1ch ki\u1ec3m tra \u1edf tr\u00ean. H\u1ed3 s\u01a1 c\u00e0ng \u0111\u1ea7y \u0111\u1ee7, qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t c\u00e0ng nhanh.<\/li>\n<li><strong>N\u1ed9p \u0111\u01a1n \u0111\u0103ng k\u00fd c\u1ee7a b\u1ea1n: <\/strong>Trung t\u00e2m ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDC) c\u1ee7a b\u1ea1n s\u1ebd g\u1eedi ph\u1ea7n y\u00eau c\u1ea7u 40% c\u1ee7a SBA \u0111\u1ebfn Trung t\u00e2m X\u1eed l\u00fd Kho\u1ea3n vay Sacramento c\u1ee7a SBA. Ng\u00e2n h\u00e0ng s\u1ebd t\u1ef1 x\u1eed l\u00fd ph\u1ea7n 50% c\u00f2n l\u1ea1i. Qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t th\u01b0\u1eddng m\u1ea5t t\u1eeb \u200b\u200b30 \u0111\u1ebfn 60 ng\u00e0y.<\/li>\n<li><strong>Ho\u00e0n t\u1ea5t kho\u1ea3n vay: <\/strong>Sau khi \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t, c\u1ea3 kho\u1ea3n vay ng\u00e2n h\u00e0ng v\u00e0 kho\u1ea3n vay CDC s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i ng\u00e2n \u0111\u1ed3ng th\u1eddi. Ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n v\u00e0 d\u1ef1 \u00e1n c\u1ee7a b\u1ea1n b\u1eaft \u0111\u1ea7u.<\/li>\n<\/ol>\n<h2>SBA 504 so v\u1edbi SBA 7(a): Lo\u1ea1i n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n?<\/h2>\n<table width=\"624\">\n<thead>\n<tr>\n<td width=\"200\"><\/td>\n<td width=\"212\"><strong>SBA 504<\/strong><\/td>\n<td width=\"212\"><strong>SBA 7(a)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td width=\"200\">T\u1ed1t nh\u1ea5t cho<\/td>\n<td width=\"212\">B\u1ea5t \u0111\u1ed9ng s\u1ea3n &amp; thi\u1ebft b\u1ecb c\u1ed1 \u0111\u1ecbnh<\/td>\n<td width=\"212\">V\u1ed1n l\u01b0u \u0111\u1ed9ng, h\u00e0ng t\u1ed3n kho, t\u00e1i c\u1ea5u tr\u00fac n\u1ee3.<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">S\u1ed1 ti\u1ec1n vay t\u1ed1i \u0111a<\/td>\n<td width=\"212\">5 tri\u1ec7u \u0111\u00f4 la (ph\u1ea7n \u0111\u00f3ng g\u00f3p t\u1eeb SBA)<\/td>\n<td width=\"212\">T\u1ed5ng c\u1ed9ng 5 tri\u1ec7u \u0111\u00f4 la<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Ti\u1ec1n \u0111\u1eb7t c\u1ecdc<\/td>\n<td width=\"212\">10%<\/td>\n<td width=\"212\">10\u201330%<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">L\u00e3i su\u1ea5t<\/td>\n<td width=\"212\">C\u1ed1 \u0111\u1ecbnh (do SBA \u1ea5n \u0111\u1ecbnh h\u00e0ng th\u00e1ng)<\/td>\n<td width=\"212\">Bi\u1ebfn \u0111\u1ed5i (s\u1ed1 nguy\u00ean t\u1ed1 + ch\u00eanh l\u1ec7ch)<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3<\/td>\n<td width=\"212\">10\u201325 n\u0103m<\/td>\n<td width=\"212\">T\u1ed1i \u0111a 25 n\u0103m (b\u1ea5t \u0111\u1ed9ng s\u1ea3n)<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">S\u1eed d\u1ee5ng qu\u1ef9<\/td>\n<td width=\"212\">Ch\u1ec9 t\u00e0i s\u1ea3n c\u1ed1 \u0111\u1ecbnh<\/td>\n<td width=\"212\">H\u1ea7u h\u1ebft m\u1ecdi th\u1ee9 li\u00ean quan \u0111\u1ebfn kinh doanh<\/td>\n<\/tr>\n<tr>\n<td width=\"200\">Ai qu\u1ea3n l\u00fd<\/td>\n<td width=\"212\">H\u1ee3p t\u00e1c gi\u1eefa CDC v\u00e0 ng\u00e2n h\u00e0ng<\/td>\n<td width=\"212\">C\u00e1c t\u1ed5 ch\u1ee9c cho vay \u0111\u01b0\u1ee3c SBA ch\u1ea5p thu\u1eadn<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>N\u1ebfu m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c thi\u1ebft b\u1ecb l\u1edbn v\u1edbi kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc th\u1ea5p nh\u1ea5t c\u00f3 th\u1ec3 v\u00e0 l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh d\u00e0i h\u1ea1n, th\u00ec ch\u01b0\u01a1ng tr\u00ecnh SBA 504 h\u1ea7u nh\u01b0 lu\u00f4n l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n. \u0110\u1ed1i v\u1edbi nhu c\u1ea7u t\u00e0i ch\u00ednh linh ho\u1ea1t h\u01a1n, ch\u01b0\u01a1ng tr\u00ecnh SBA 7(a) l\u00e0 l\u1ef1a ch\u1ecdn \u0111a n\u0103ng h\u01a1n. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng... <a href=\"https:\/\/toolstecique.com\/vi\/loan-amortization-calculator\/\">M\u00e1y t\u00ednh t\u00ednh to\u00e1n kho\u1ea3n tr\u1ea3 g\u00f3p kho\u1ea3n vay<\/a> \u0110\u1ec3 so s\u00e1nh l\u1ecbch tr\u1ea3 n\u1ee3 gi\u1eefa hai ch\u01b0\u01a1ng tr\u00ecnh.<\/p>\n<h2>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<p><strong>C\u1ea7n \u0111\u1ea1t \u0111i\u1ec3m t\u00edn d\u1ee5ng bao nhi\u00eau \u0111\u1ec3 \u0111\u01b0\u1ee3c vay v\u1ed1n theo ch\u01b0\u01a1ng tr\u00ecnh SBA 504?<\/strong><\/p>\n<p>C\u01a1 quan Qu\u1ea3n tr\u1ecb Doanh nghi\u1ec7p Nh\u1ecf (SBA) kh\u00f4ng c\u00f4ng b\u1ed1 \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1i thi\u1ec3u cho ch\u01b0\u01a1ng tr\u00ecnh 504. Tuy nhi\u00ean, h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ed9ng \u0111\u1ed3ng (CDC) v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng tham gia \u0111\u1ec1u t\u00ecm ki\u1ebfm \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1t. <strong>\u0110i\u1ec3m t\u00edn d\u1ee5ng c\u00e1 nh\u00e2n t\u1ed1i thi\u1ec3u l\u00e0 680<\/strong>Nhi\u1ec1u ng\u01b0\u1eddi th\u00edch \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1eeb 700 tr\u1edf l\u00ean. H\u1ed3 s\u01a1 t\u00edn d\u1ee5ng, d\u00f2ng ti\u1ec1n v\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a doanh nghi\u1ec7p c\u0169ng \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn vi\u1ec7c ph\u00ea duy\u1ec7t kho\u1ea3n vay. T\u1ef7 l\u1ec7 DSCR (t\u1ef7 l\u1ec7 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3) cao \u2014 th\u01b0\u1eddng l\u00e0 1,25 tr\u1edf l\u00ean \u2014 c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m.<\/p>\n<p><strong>Li\u1ec7u m\u1ed9t c\u00f4ng ty kh\u1edfi nghi\u1ec7p c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd vay v\u1ed1n theo ch\u01b0\u01a1ng tr\u00ecnh SBA 504 kh\u00f4ng?<\/strong><\/p>\n<p>\u0110\u00fang v\u1eady \u2014 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p (doanh nghi\u1ec7p d\u01b0\u1edbi 2 n\u0103m tu\u1ed5i) kh\u00f4ng b\u1ecb lo\u1ea1i tr\u1eeb kh\u1ecfi ch\u01b0\u01a1ng tr\u00ecnh. Tuy nhi\u00ean, h\u1ecd ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u kh\u1eaft khe h\u01a1n: <strong>kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc cao h\u01a1n, t\u1eeb 15\u201320%<\/strong>M\u1ed9t k\u1ebf ho\u1ea1ch kinh doanh chi ti\u1ebft, v\u00e0 \u0111\u00f4i khi l\u00e0 t\u00e0i s\u1ea3n th\u1ebf ch\u1ea5p b\u1ed5 sung. C\u00e1c nh\u00e0 cho vay s\u1ebd d\u1ef1a nhi\u1ec1u h\u01a1n v\u00e0o kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 kinh nghi\u1ec7m trong ng\u00e0nh c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu khi doanh nghi\u1ec7p c\u00f3 l\u1ecbch s\u1eed ho\u1ea1t \u0111\u1ed9ng h\u1ea1n ch\u1ebf.<\/p>\n<p><strong>Qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t kho\u1ea3n vay SBA 504 m\u1ea5t bao l\u00e2u?<\/strong><\/p>\n<p>Th\u1eddi gian x\u00e9t duy\u1ec7t th\u00f4ng th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 30 \u0111\u1ebfn 60 ng\u00e0y k\u1ec3 t\u1eeb khi ho\u00e0n t\u1ea5t \u0111\u01a1n \u0111\u0103ng k\u00fd \u0111\u1ebfn khi \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, v\u00e0 vi\u1ec7c ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c s\u1ebd di\u1ec5n ra ngay sau \u0111\u00f3. C\u00e1c d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng ho\u1eb7c c\u00e1c giao d\u1ecbch ph\u1ee9c t\u1ea1p c\u00f3 th\u1ec3 m\u1ea5t nhi\u1ec1u th\u1eddi gian h\u01a1n. L\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t \u0111\u01a1n v\u1ecb ph\u00e1t tri\u1ec3n c\u1ed9ng \u0111\u1ed3ng (CDC) gi\u00e0u kinh nghi\u1ec7m v\u00e0 chu\u1ea9n b\u1ecb s\u1eb5n s\u00e0ng h\u1ed3 s\u01a1 tr\u01b0\u1edbc l\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 tr\u00e1nh ch\u1eadm tr\u1ec5.<\/p>\n<p><strong>Kho\u1ea3n vay SBA 504 c\u00f3 th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong><\/p>\n<p>\u0110\u00fang v\u1eady \u2014 m\u1ed9t trong nh\u1eefng l\u1ee3i th\u1ebf \u00edt \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh SBA 504 l\u00e0 ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 ti\u1ebfp nh\u1eadn kho\u1ea3n vay n\u1ebfu b\u1ea1n b\u00e1n doanh nghi\u1ec7p ho\u1eb7c t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 l\u00e0m cho t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n h\u1ea5p d\u1eabn h\u01a1n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi mua v\u00ec h\u1ecd \u0111\u01b0\u1ee3c th\u1eeba h\u01b0\u1edfng kho\u1ea3n vay l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh \u01b0u \u0111\u00e3i, t\u1eeb \u0111\u00f3 c\u00f3 kh\u1ea3 n\u0103ng thu \u0111\u01b0\u1ee3c gi\u00e1 b\u00e1n cao h\u01a1n.<\/p>\n<h2>B\u1ea1n \u0111\u00e3 s\u1eb5n s\u00e0ng ki\u1ec3m tra xem m\u00ecnh c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n kh\u00f4ng?<\/h2>\n<p>Kho\u1ea3n vay SBA 504 th\u1ef1c s\u1ef1 l\u00e0 m\u1ed9t trong nh\u1eefng l\u1ef1a ch\u1ecdn t\u00e0i ch\u00ednh t\u1ed1t nh\u1ea5t d\u00e0nh cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u2014 n\u1ebfu b\u1ea1n \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n. Kho\u1ea3n tr\u1ea3 tr\u01b0\u1edbc th\u1ea5p, l\u00e3i su\u1ea5t c\u1ed1 \u0111\u1ecbnh d\u00e0i h\u1ea1n v\u00e0 s\u1ed1 ti\u1ec1n vay l\u1edbn khi\u1ebfn n\u00f3 tr\u1edf n\u00ean l\u00fd t\u01b0\u1edfng cho b\u1ea5t k\u1ef3 doanh nghi\u1ec7p n\u00e0o mu\u1ed1n s\u1edf h\u1eefu m\u1eb7t b\u1eb1ng kinh doanh ho\u1eb7c m\u1edf r\u1ed9ng n\u0103ng l\u1ef1c s\u1ea3n xu\u1ea5t.<\/p>\n<p>Tr\u01b0\u1edbc khi g\u1ecdi cho ng\u01b0\u1eddi cho vay, h\u00e3y d\u00e0nh n\u0103m ph\u00fat s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n kho\u1ea3n vay SBA 504 mi\u1ec5n ph\u00ed tr\u00ean trang web c\u1ee7a ch\u00fang t\u00f4i. <a href=\"https:\/\/toolstecique.com\/vi\/\">C\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt<\/a>Nh\u1eadp chi ph\u00ed d\u1ef1 \u00e1n c\u1ee7a b\u1ea1n v\u00e0 xem ch\u00ednh x\u00e1c c\u00e1ch ph\u00e2n chia 50\/40\/10 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o, kho\u1ea3n thanh to\u00e1n h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n s\u1ebd l\u00e0 bao nhi\u00eau v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c nhau so s\u00e1nh ra sao. Vi\u1ec7c chu\u1ea9n b\u1ecb s\u1eb5n s\u1ed1 li\u1ec7u tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u cu\u1ed9c tr\u00f2 chuy\u1ec7n \u0111\u1ea7u ti\u00ean v\u1edbi CDC s\u1ebd t\u1ea1o \u1ea5n t\u01b0\u1ee3ng m\u1ea1nh m\u1ebd.<\/p>\n<p><script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What credit score is needed for an SBA 504 loan?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"The SBA does not publish a minimum credit score for the 504 program. However, most CDCs and participating banks look for a personal credit score of at least 680, and many prefer 700+. Your business\\u2019s credit profile, cash flow, and collateral also heavily influence approval. A strong DSCR (debt service coverage ratio), typically 1.25 or higher, is equally important.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Can a startup apply for an SBA 504 loan?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Yes, startups (businesses under 2 years old) are not excluded from the program. However, they face stricter requirements, including a higher down payment of 15\\u201320%, a detailed business plan, and sometimes additional collateral. Lenders rely more heavily on the owner's personal financial strength and industry experience when the business has limited history.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"How long does SBA 504 loan approval take?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Typical approval timelines run 30 to 60 days from completed application to approval, with closing following shortly after. Construction projects or complex transactions can take longer. Working with an experienced CDC and having your documentation ready upfront is the best way to avoid delays.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Is the SBA 504 loan assumable?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Yes, one of the lesser-known advantages of the SBA 504 loan is that it can be assumed by a buyer if you sell your business or property. This can make your property more attractive to buyers since they inherit favorable fixed-rate financing, potentially allowing you to command a higher sale price.\"\n            }\n        }\n    ]\n}<\/script><\/p>","protected":false},"excerpt":{"rendered":"<p>TL;DR\u00a0To qualify for an SBA 504 loan in 2026, your business must: (1) operate as a for-profit company in the [&hellip;]<\/p>","protected":false},"author":1,"featured_media":2632,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[516],"tags":[],"class_list":["post-2630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.9 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SBA 504 Loan Requirements: Complete 2026 Guide - Tools Tecique<\/title>\n<meta name=\"description\" content=\"Learn the exact SBA 504 loan requirements 2026, eligibility, loan structure, credit score, &amp; how to apply. 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