Sell SBA 504 1st Mortgages on Secondary Market

Banks can generate premium and servicing income as well as capital relief by selling their 504 first trust deeds on the secondary market.  CDC Capital Markets, a wholly owned subsidiary of CDC Small Business Finance, offering programs that address all asset types and underwriting guidelines

CDC Capital Markets also provides a la carte lending services to banks, non bank lenders, and loan brokers including marketing, sales, processing, underwriting, loan doc preparation and servicing.

LOW MOD 504 with Morgan Stanley
Whole Loan Direct Fund – Multi-purpose properties only

Bank Benefits
Selling bank receives flat 3% premium

Terms

  • Must be in an LMI census tract. Check subject property address by Clicking Here:
  • Whole loan purchases
  • Preferred cities – Los Angeles, Oakland, Richmond (CA), San Diego, San Francisco, San Jose, Phoenix, Chicago, Indianapolis, Detroit, New York City, Milwaukee
  • Also available in select rural counties across the country
  • DSCR of 1.0 or better, multi-purpose properties, community impact, job creation
  • 3 years interest-only followed by 27-year amortization fixed for 7 years at 5-year libor swap + 275 basis points
For eligibility and rate information, Click Here


TRADITIONAL 504 with Morgan Stanley
Whole Loan Purchase or Direct Fund – Multi-purpose

Bank Benefits

  • Sell entire SBA 504 first mortgage loan to increase liquidity and capital while maintaining business bank relationship.
  • Receive premium income generated from the sale of the loan.
  • Banks are often able to offer more competitive rates and terms as well as benefit from regulatory relief through the minimization of commercial real estate loans.

Terms

  • Available in all 50 states
  • DSCR of 1.2 or better, multi-purpose properties
  • 25 years fully amortizing, variable rates or fixed rates for 3, 5, 10 and 25-year terms
  • Direct fund or loan purchase
  • Selling bank receives premium based on pricing
For rate sheet, Click Here

For published LIBOR swap rates, Click Here

For more information and guidance, contact:
Ken Rosenthal
CDC Capital Markets
858.967.7817
krosenthal@cdcloans.com
www.cdccapitalmarkets.com