{"id":5804,"date":"2023-05-08T10:00:00","date_gmt":"2023-05-08T07:00:00","guid":{"rendered":"https:\/\/mukellef.co\/blog\/?p=5804"},"modified":"2023-05-05T14:53:51","modified_gmt":"2023-05-05T11:53:51","slug":"amerikada-sirketler-icin-sba-kredisi","status":"publish","type":"post","link":"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/","title":{"rendered":"Amerika\u2019da \u015eirketler i\u00e7in SBA Kredisi Nas\u0131l Al\u0131n\u0131r?"},"content":{"rendered":"\n<p>Amerika\u2019da \u015firket kurmak istiyorsan\u0131z veya halihaz\u0131rda faaliyette olan \u015firketiniz i\u00e7in finansman ihtiyac\u0131n\u0131z varsa devlet garantili SBA kredileri tam da arad\u0131\u011f\u0131n\u0131z destek olabilir. Small Business Administration (K\u00fc\u00e7\u00fck \u0130\u015fletmeler \u0130daresi) garantili krediler genellikle bankalar ve \u00e7e\u015fitli kurumlar taraf\u0131ndan sunulur. SBA verilen kredinin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn geri \u00f6denmesini garanti alt\u0131na al\u0131r.\u00a0<\/p>\n\n\n\n<p>K\u00fc\u00e7\u00fck i\u015fletmeler \u00e7o\u011fu kez d\u00fc\u015f\u00fck sermayeli olduklar\u0131 ve kredi ba\u015fvurusu yaparken yeterli teminat miktar\u0131n\u0131 g\u00f6steremedikleri i\u00e7in finansmana eri\u015fmekte zorluk ya\u015farlar, bu y\u00fczden SBA kredisi olduk\u00e7a i\u015flevseldir. Siz de Amerika\u2019da kredi almay\u0131 planl\u0131yor ve i\u015fletmenizi daha ileri bir seviyeye ta\u015f\u0131mak istiyorsan\u0131z SBA kredisine ba\u015fvurabilirsiniz. \u00dcstelik bu krediler nispeten daha az maliyetli ve olduk\u00e7a avantajl\u0131d\u0131r. SBA kredisi ba\u015fvuru ko\u015fullar\u0131, t\u00fcrleri, geri \u00f6deme se\u00e7enekleri ve daha bir\u00e7ok faydal\u0131 bilgi i\u00e7in yaz\u0131m\u0131z\u0131 okumaya devam edebilirsiniz.<\/p>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1683279058333\" class=\"rank-math-list-item\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-white ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u0130\u00e7indekiler<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"\u0130\u00e7indekiler Tablosunu A\u00e7\/Kapat\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#SBA_Kredisi_Nedir\" >SBA Kredisi Nedir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#SBA_Kredilerinin_Avantajlari_Nelerdir\" >SBA Kredilerinin Avantajlar\u0131 Nelerdir?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#ABD_Vatandasi_Olmayanlar_SBA_Kredisine_Basvurabilir_mi\" >ABD Vatanda\u015f\u0131 Olmayanlar SBA Kredisine Ba\u015fvurabilir mi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#SBA_Kredisi_Basvuru_Sartlari\" >SBA Kredisi Ba\u015fvuru \u015eartlar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#SBA_Kredisi_Turleri\" >SBA Kredisi T\u00fcrleri<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#7a_Kredisi\" >7(a) Kredisi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#504_Kredisi\" >504 Kredisi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#Mikro_Krediler\" >Mikro Krediler<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#SBA_Kredisi_Geri_Odeme_Kosullari\" >SBA Kredisi Geri \u00d6deme Ko\u015fullar\u0131<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/mukellef.co\/blog\/amerikada-sirketler-icin-sba-kredisi\/#Amerikada_Sirket_Kurmak_Mukellef_ile_Cok_Kolay\" >Amerika\u2019da \u015eirket Kurmak M\u00fckellef ile \u00c7ok Kolay<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"SBA_Kredisi_Nedir\"><\/span>SBA Kredisi Nedir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"rank-math-answer \">\n\n<p>SBA, Amerika\u2019daki k\u00fc\u00e7\u00fck i\u015fletmeleri finansal a\u00e7\u0131dan desteklemek, onlara mali yard\u0131m yapmak amac\u0131yla devlet garantili olarak verilen kredi t\u00fcr\u00fcd\u00fcr. SBA kredisi, SBA kurumunun kamu t\u00fczel ki\u015fili\u011fini haiz olmas\u0131ndan \u00f6t\u00fcr\u00fc direkt olarak kendisi taraf\u0131ndan verilmez. Bunun yerine &#8221;SBA Preferred Lender&#8221; stat\u00fcs\u00fc sahibi yani SBA destekli ve anla\u015fmal\u0131 bankalar arac\u0131l\u0131\u011f\u0131yla verilir.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p>Bor\u00e7 veren kurumlar kendi kredi ko\u015fullar\u0131n\u0131 yaratabilir, bankalar ve kurumlar k\u00fc\u00e7\u00fck i\u015fletmelerin ba\u015fvurular\u0131n\u0131 kendi kriterlerine g\u00f6re de\u011ferlendirebilir. SBA kredisi ba\u015fvuru s\u00fcreci ad\u0131m ad\u0131m ve do\u011fru planland\u0131\u011f\u0131 takdirde kredi ba\u015fvurunuzun onaylanmas\u0131 genellikle pek de zor de\u011fildir. Yine de bir\u00e7ok kurum ilk etapta ba\u015fvurular\u0131 s\u0131k\u0131 bir de\u011ferlendirme alt\u0131na al\u0131r.&nbsp;<\/p>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1683279114117\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"SBA_Kredilerinin_Avantajlari_Nelerdir\"><\/span>SBA Kredilerinin Avantajlar\u0131 Nelerdir?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Devlet garantili olan krediler do\u011fal olarak bor\u00e7 verenler i\u00e7in daha az risklidir. Bu krediyi kullananlar bir\u00e7ok kredi t\u00fcr\u00fcne g\u00f6re daha az maliyetli olan bir imkanla kar\u015f\u0131la\u015f\u0131r. SBA kredilerinin en avantajl\u0131 y\u00f6nlerinden biri budur. Ayn\u0131 zamanda uzun vadeli, d\u00fc\u015f\u00fck faizli ve b\u00fct\u00e7eye uygun \u00f6deme planlar\u0131 sunulan bir kredi t\u00fcr\u00fcd\u00fcr. Bu sayede i\u015fletmenizin b\u00fct\u00e7esini fazla sarsmadan ald\u0131\u011f\u0131n\u0131z krediyi geri \u00f6deme imkan\u0131 yakalars\u0131n\u0131z.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p>SBA kredilerinin genel \u00f6zellikleri \u015fu \u015fekilde s\u0131ralanabilir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>150.000 ABD dolar\u0131 ve alt\u0131ndaki krediler i\u00e7in borcun %85\u2019ine kadar SBA garantisi sunulur. 150.000 ABD dolar\u0131n\u0131n \u00fczerindeki krediler i\u00e7inse garanti oran\u0131 %75\u2019tir.&nbsp;<\/li>\n\n\n\n<li>Azami kredi miktar\u0131 5 milyon dolard\u0131r.&nbsp;<\/li>\n\n\n\n<li>Bor\u00e7 \u00f6demek, \u00e7e\u015fitli i\u015fletme varl\u0131klar\u0131 sat\u0131n almak, sermaye olu\u015fturmak gibi nedenlerle k\u00fc\u00e7\u00fck i\u015fletmeler taraf\u0131ndan kullan\u0131l\u0131rlar.<\/li>\n\n\n\n<li>D\u00fc\u015f\u00fck faizli ve uzun vadeli kredilerdir. E\u011fer bor\u00e7 alan, ald\u0131\u011f\u0131 parayla gayrimenkul veya arsa sat\u0131n alacaksa vade 25 y\u0131la kadar \u00e7\u0131kabilir.<\/li>\n\n\n\n<li>SBA devlet garantilidir. Finansman\u0131 kullanan \u015firket krediyi geriye \u00f6deyemezse banka veya di\u011fer bor\u00e7 veren kurumlar borcu devletten talep edebilir.\u00a0<\/li>\n<\/ul>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1683279147178\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"ABD_Vatandasi_Olmayanlar_SBA_Kredisine_Basvurabilir_mi\"><\/span>ABD Vatanda\u015f\u0131 Olmayanlar SBA Kredisine Ba\u015fvurabilir mi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"rank-math-answer \">\n\n<p>SBA kredisini kullanmak i\u00e7in ABD vatanda\u015f\u0131 olup olmad\u0131\u011f\u0131n\u0131z ba\u015fvuru yapt\u0131\u011f\u0131n\u0131z kuruma g\u00f6re de\u011fi\u015fkenlik g\u00f6sterebilir. SBA anla\u015fmal\u0131 kurumlar\u0131n yakla\u015f\u0131k %51\u2019i kredi kullanacak olan ki\u015finin ABD vatanda\u015f\u0131 ya da Ye\u015fil Kart sahibi olmas\u0131n\u0131 talep eder. SBA anla\u015fmal\u0131 bor\u00e7 verenlerin ortalama %49\u2019u ise SBA kredisi kulland\u0131rmak i\u00e7in ABD vatanda\u015f\u0131 olma ko\u015fulu aramamaktad\u0131r.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SBA_Kredisi_Basvuru_Sartlari\"><\/span>SBA Kredisi Ba\u015fvuru \u015eartlar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SBA kredisi i\u00e7in \u00e7e\u015fitli kurumlar devreye girse de bu i\u015flemleri \u00e7o\u011funlukla bankalar s\u00fcrd\u00fcr\u00fcr. Bankalar da SBA garantili kredi i\u00e7in ilgili devlet kurumunu dikkate alsa da kredi ba\u015fvuru de\u011ferlendirmesini kendi kriterlerine g\u00f6re ger\u00e7ekle\u015ftirirler. Dolay\u0131s\u0131yla ba\u015fvurular\u0131 kabul edip etmemekte serbesttirler.\u00a0SBA kredisi i\u00e7in ba\u015fvuru yaparken sizden istenen belgeler \u015funlard\u0131r:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Son 3 y\u0131la ait ki\u015fisel gelir vergisi beyannamesi<\/li>\n\n\n\n<li>Ki\u015fisel \u00f6z ge\u00e7mi\u015finiz<\/li>\n\n\n\n<li>SBA kredi bilgi formu<\/li>\n\n\n\n<li>Ki\u015fisel mali tablo d\u00f6k\u00fcm\u00fc<\/li>\n\n\n\n<li>Son 3 y\u0131la ait ticari vergi beyannamesi<\/li>\n\n\n\n<li>\u0130\u015fletme lisans\u0131 ya da sertifikas\u0131<\/li>\n\n\n\n<li>Ba\u015fvuru tarihi de dahil son 180 g\u00fcn i\u00e7erisindeki gelir ve giderler<\/li>\n<\/ul>\n\n\n\n<p>Ba\u015fvuru s\u00fcrecinde ne kadar dikkatli ilerler ve haz\u0131rl\u0131\u011f\u0131n\u0131z\u0131 uygun \u015fekilde ger\u00e7ekle\u015ftirirseniz kredinizin onaylanma ihtimali de o kadar artar. Ayr\u0131ca haz\u0131rl\u0131k a\u015famas\u0131nda hangi bankadan kredi alaca\u011f\u0131n\u0131z\u0131 se\u00e7mek de \u00f6nemli bir unsurdur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SBA_Kredisi_Turleri\"><\/span>SBA Kredisi T\u00fcrleri <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SBA kredisi birka\u00e7 t\u00fcrde verilir ancak en temel olan\u0131 7(a) kredisidir. 7(a) kredisini kullan\u0131m yayg\u0131nl\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan 504 kredileri ile mikro krediler takip eder. A\u015fa\u011f\u0131da bu temel SBA kredi t\u00fcrleri hakk\u0131nda detayl\u0131 bilgileri bulabilirsiniz.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7a_Kredisi\"><\/span>7(a) Kredisi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Amerika\u2019da en yayg\u0131n olarak verilen SBA kredisi 7(a)\u2019d\u0131r. S\u00f6z konusu kredi ham madde, makine, gayrimenkul vb. almak, sermaye olu\u015fturmak, bor\u00e7 \u00f6demek gibi farkl\u0131 ama\u00e7larla de\u011ferlendirilebilir. 7(a) kredisinden yararlanmak istiyorsan\u0131z i\u015fletmeniz ad\u0131na \u00e7ekebilece\u011finiz maksimum miktar 5 milyon ABD dolar\u0131d\u0131r.<\/p>\n\n\n\n<p>7(a) kredisi i\u00e7in ba\u015fvuru yapt\u0131\u011f\u0131n\u0131zda banka de\u011ferlendirme i\u00e7in \u00f6ncelikle \u015firketinizin geri \u00f6deme kapasitesini dikkate al\u0131r. Ayr\u0131ca bu a\u015famada ge\u00e7mi\u015f kredi \u00f6demeleriniz de bir \u00e7e\u015fit teminat gibi g\u00f6r\u00fclebilir. SBA ise ald\u0131\u011f\u0131n\u0131z kredinin %85\u2019ine kadar \u00f6deme yapmay\u0131 garantiler. Faiz oranlar\u0131 ise de\u011fi\u015fken veya sabit olarak belirlenir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"504_Kredisi\"><\/span>504 Kredisi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u015eirketiniz i\u00e7in gayrimenkul, arazi, makine, tesis vb. sat\u0131n almay\u0131 planl\u0131yorsan\u0131z SBA kredi t\u00fcrlerinden biri olan 504 kredisi finansal gereksinimlerinizi kar\u015f\u0131layabilir. K\u00fc\u00e7\u00fck i\u015fletmeler azami olarak 5 milyon ABD dolar\u0131na kadar hem uzun vadeli hem de sabit faizli kredi kullanma imkan\u0131na sahip olur.\u00a0<\/p>\n\n\n\n<p>504 kredileri Certified Development Companies (Sertifikal\u0131 Kalk\u0131nma Kurulu\u015flar\u0131) taraf\u0131ndan sunulur. \u0130lgili kurumlara sertifika ve yetkileri ise CBA verir. \u00d6zel sekt\u00f6r ve kar amac\u0131 g\u00fctmeyen kurulu\u015flar da 504 kredisi sa\u011flayabilir.&nbsp;<\/p>\n\n\n\n<p>Amerika\u2019daki \u015firketiniz i\u00e7in 504 kredilerine ba\u015fvuru yapacaksan\u0131z \u00f6ncelikle a\u015fa\u011f\u0131daki birka\u00e7 ko\u015fulu yerine getirmeniz gerekir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0130\u015fletmenizin net duran varl\u0131k de\u011feri 15 milyon dolar\u0131n alt\u0131nda olmal\u0131, bu miktar\u0131 ge\u00e7memelidir.&nbsp;<\/li>\n\n\n\n<li>\u0130\u015fletmenizin ge\u00e7mi\u015f y\u0131llardaki kazan\u00e7lar\u0131 ise minimum 5 milyon dolar de\u011ferinde olmal\u0131d\u0131r.<\/li>\n\n\n\n<li>\u0130\u015fletmenizin kredi geri \u00f6deme kapasitesi ile daha \u00f6nceki kredi \u00f6demeleri yeterli g\u00fcvenceyi vermelidir.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Mikro_Krediler\"><\/span>Mikro Krediler<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Mikro krediler ise daha d\u00fc\u015f\u00fck miktarlarda verilen ve <a href=\"https:\/\/mukellef.co\/blog\/amerikada-sirket-kurmak-icin-bilmeniz-gerekenler\/\">Amerika\u2019da \u015firket kurmak<\/a> isteyenlerin yararland\u0131\u011f\u0131 SBA kredi t\u00fcr\u00fcd\u00fcr. E\u011fer krediniz onaylan\u0131rsa i\u015fletme sermayesi olu\u015fturmak, envanter, fonlar ve ekipmanlar i\u00e7in bu mikro kredileri kullanabilirsiniz. Mikro krediler 50.000 dolara kadar olan SBA kredilerini kapsar.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SBA_Kredisi_Geri_Odeme_Kosullari\"><\/span>SBA Kredisi Geri \u00d6deme Ko\u015fullar\u0131<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SBA kredilerinin en b\u00fcy\u00fck avantaj\u0131 geri \u00f6deme ko\u015fullar\u0131nda ortaya \u00e7\u0131kar. K\u00fc\u00e7\u00fck i\u015fletmelerin geni\u015flemesi ve finansman olarak desteklenmesi amac\u0131yla devlet garantili verilen kredilerin geri \u00f6demesi de uzun vadelidir. Bu durum bir\u00e7ok kredi t\u00fcr\u00fcne k\u0131yasla daha uygun ayl\u0131k \u00f6demeler ve d\u00fc\u015f\u00fck faiz avantaj\u0131n\u0131 beraberinde getirir.<\/p>\n\n\n\n<p>Paray\u0131 kullanma \u015feklinize g\u00f6re kredi vadesi de de\u011fi\u015fkenlik g\u00f6sterir. \u00d6rne\u011fin cari i\u015flemler ve i\u015fletme sermayesi i\u00e7in kredi ald\u0131ysan\u0131z bor\u00e7 vadesi 7 y\u0131ld\u0131r. \u0130\u015fletmenize yeni ekipman almak i\u00e7in ald\u0131\u011f\u0131n\u0131z SBA kredisinin vadesi ise 10 y\u0131la kadar \u00e7\u0131kar. Kredinizi gayrimenkul yat\u0131r\u0131m\u0131 i\u00e7in kullan\u0131rsan\u0131z borcunuzu 25 y\u0131la kadar uzun vadeli bir planlama ile \u00f6deme \u015fans\u0131na sahip olursunuz.\u00a0B\u00f6ylece hem uzun vade hem de d\u00fc\u015f\u00fck faiz avantajlar\u0131yla kulland\u0131\u011f\u0131n\u0131z krediyi geri \u00f6derken d\u00fc\u015f\u00fck miktarl\u0131 \u00f6demeler yapar, i\u015fletme b\u00fct\u00e7enizi sarsmadan ihtiya\u00e7lar\u0131n\u0131z\u0131 kar\u015f\u0131layabilirsiniz.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Amerikada_Sirket_Kurmak_Mukellef_ile_Cok_Kolay\"><\/span>Amerika\u2019da \u015eirket Kurmak M\u00fckellef ile \u00c7ok Kolay<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Amerika\u2019da \u015firket kurmak gibi bir hayaliniz varsa ya da halihaz\u0131rda mevcut olan \u015firketinizi daha da geni\u015fletip g\u00fcvenilir bir marka haline getirmek istiyorsan\u0131z <a href=\"https:\/\/mukellef.co\/us\/\">M\u00fckellef<\/a> yan\u0131n\u0131zda! M\u00fckellef ekibi hem \u015firket kurulu\u015fu hem de sonraki a\u015famalar i\u00e7in size g\u00fc\u00e7l\u00fc bir destek sa\u011flar. Ayr\u0131ca finansman i\u00e7in gerekli olan SBA kredi ba\u015fvurusu gibi i\u015flemlerinizi de yak\u0131ndan takip eder ve dan\u0131\u015fmanl\u0131k hizmeti sunar. M\u00fckellef arac\u0131l\u0131\u011f\u0131yla Amerika\u2019da \u015firket kurman\u0131z art\u0131k \u00e7ok daha kolay!<\/p>\n\n\n\n\t\t<!--HubSpot Call-to-Action Code -->\n\t\t<span class=\"hs-cta-wrapper\" id=\"hs-cta-wrapper-614b22ed-7e40-448b-a5d2-20de6a2fea24\">\n\t\t<span class=\"hs-cta-node hs-cta-614b22ed-7e40-448b-a5d2-20de6a2fea24\" id=\"614b22ed-7e40-448b-a5d2-20de6a2fea24\">\n\t\t<!--[if lte IE 8]>\n\t\t<div id=\"hs-cta-ie-element\"><\/div>\n\t\t<![endif]-->\n\t\t<a href=\"https:\/\/cta-redirect.hubspot.com\/cta\/redirect\/5318651\/614b22ed-7e40-448b-a5d2-20de6a2fea24\" target=\"_blank\" rel=\"noopener\">\n\t\t<img decoding=\"async\" class=\"hs-cta-img\" id=\"hs-cta-img-614b22ed-7e40-448b-a5d2-20de6a2fea24\" style=\"border-width:0px;\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/5318651\/614b22ed-7e40-448b-a5d2-20de6a2fea24.png\" alt=\"New call-to-action\" title=\"\">\n\t\t<\/a>\n\t\t<\/span>\n\t\t<script charset=\"utf-8\" src=\"\/\/js.hubspot.com\/cta\/current.js\"><\/script>\n\t\t<script>\n\t\thbspt.cta.load(5318651, '614b22ed-7e40-448b-a5d2-20de6a2fea24', {});\n\t\t<\/script>\n\t\t<\/span>\n\t\t<!-- end HubSpot Call-to-Action Code -->\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Amerika\u2019da \u015firket kurmak istiyorsan\u0131z veya halihaz\u0131rda faaliyette olan \u015firketiniz i\u00e7in finansman ihtiyac\u0131n\u0131z varsa devlet garantili SBA kredileri tam da arad\u0131\u011f\u0131n\u0131z destek olabilir. Small Business Administration (K\u00fc\u00e7\u00fck \u0130\u015fletmeler \u0130daresi) garantili krediler genellikle bankalar ve \u00e7e\u015fitli kurumlar taraf\u0131ndan sunulur. SBA verilen kredinin \u00f6nemli bir b\u00f6l\u00fcm\u00fcn\u00fcn geri \u00f6denmesini garanti alt\u0131na al\u0131r.\u00a0 K\u00fc\u00e7\u00fck i\u015fletmeler \u00e7o\u011fu kez d\u00fc\u015f\u00fck sermayeli olduklar\u0131 &#8230;<\/p>\n","protected":false},"author":22,"featured_media":5805,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[355],"tags":[],"class_list":["post-5804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-amerikada-sirket-kurmak"],"_links":{"self":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/5804","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/comments?post=5804"}],"version-history":[{"count":0,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/posts\/5804\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/media\/5805"}],"wp:attachment":[{"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/media?parent=5804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/categories?post=5804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mukellef.co\/blog\/wp-json\/wp\/v2\/tags?post=5804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}