美媒專訪|Coleman獎得主John Shen揭秘EB-5政府貸款之道
流覽次數：3090    添加時間:2017/12/28    來源:RCH走進美國

原文翻譯

發佈於：12/21/2017 《科爾曼報告》。

2017年12月21日。

由鮑勃科爾曼編輯。

科爾曼Movers &Shakers - John Shen接受科爾曼SBA 504年度貸款商獎。

科爾曼：恭喜您被授予科爾曼 SBA 504年度貸款商獎！

"我感到受寵若驚又非常的榮幸。我知道這個獎項是行業內最成功的領導者的最高榮譽之一，過去一年裏有這麼多的公司在這個行業發揮著重要的作用，這是一個值得肯定的榮譽。想到過去一年有多少家銀行和非銀行貸款機構參與了SBA504貸款 項目- 其中有數百家。這真是太棒了。我真的很重視科爾曼對我公司美國借貸中心卓越業績的肯定。

美國借貸中心是全美國唯一一家幾乎完全用EB-5來籌集貸款資金的SBA 504第一貸款銀行。由於EB-5政策對項目有很高的要求，美國借貸中心因此比其他SBA 504貸款機構更加負責任，透明，並且更加努力地跟蹤和記錄就業創造。這是最大的區別。"

科爾曼：您認為對於SBA 504第三方貸款機構來說，最大的挑戰是什麼？

"與認證開發公司（CDC）和涉及的任何其他貸方進行溝通和同步。參與美國借貸中心的每個SBA 504項目都至少有兩個，通常是三個私人貸款機構，也與CDC合作。SBA 504貸款申請的處理和審查可能比僅涉及一個單一貸方的典型商業貸款的處理和審查複雜得多。在SBA 504貸款中，所有機構必須團隊合作。"

科爾曼：為什麼美國借貸中心專注于酒店新的建設項目？

"酒店的建設開發階段所創造的就業是EB-5商業中可創造最可靠和易核實的，也是EB-5項目中最受歡迎的項目之一，因為酒店建設和人員配置的現金流量基本保持一致。"

科爾曼：我知道美國借貸中心所操作的SBA 504貸款項目可以覆蓋全國，您們的地理限制是什麼？

"當EB-5投資移民是資金來源時，項目所在地必須符合“目標就業區”（TEA），即由失業率來定義或由國家指定的TEA。除此之外，沒有限制或優先領域。美國借貸中心致力於投資於任何地方的企業，包括農村和其他服務不足地區的企業，而不僅僅是投資主要城市地區的發展。到目前為止，該公司已經完成了16個州的資助項目。"

科爾曼：您如何看待外國直接投資在美國小企業貸款的增長趨勢？

"外國直接投資會在這個行業繼續增長，並為美國更多的小型企業專案提供資金。我認為目前的SBA政策會繼續支持外國直接投資，而且在特朗普政府的管理下，支持力度會更加的大。僅美國借貸中心就向美國各 項目提供了超過1.75億美元的項目，全部來自EB-5投資者。略微寬鬆的法規當然可以讓更多非傳統的貸款業務在小企業貸款中發揮更大的作用。"

科爾曼：什麼激勵您和您的團隊致力於中小企業貸款？

"在這個行業裏，我們每天都聽到很多中小企業主的動人故事。儘管平凡如你我一樣，他們對企業的熱情和對成功的渴望，在我看來，通過在全國範圍創造就業，有力保證了(美國)經濟發動機的持續運轉。截止2017年4月，美國借貸中心和母公司區域中心控股集團用EB-5資金已成功投資超過60個小型企業管理504項目，刺激全國經濟增長和創造就業機會。你幫助這些業主越多，你收穫的快樂就越多。沒有什麼比看到你的借款人在他的事業上取得成功感覺更好，這就是我的動力。"




NEWS

December 21, 2017

By Bob Coleman

Coleman Movers & Shakers — John Shen Accepts Coleman SBA 504 Lender of the Year Award.

Coleman: Congratulations on being named Coleman SBA 504 Lender of the Year!

“I am flattered and honored. I know this award is one of the highest honors for the most accomplished leaders in the industry, and with so many companies playing significant roles in the business this past year it’s an honor to be recognized. Think about how many banks and non-bank lenders have been involved in the SBA 504 Loan program this past year – hundreds of them. It is just amazing. I really value Coleman’s acknowledgment of the superb track record of my company American Lending Center.

“American Lending Center is the only established SBA 504 first loan lender in the country that almost exclusively utilizes the EB-5 program to raise lending capital. Because of the requirements of the program, American Lending Center is thus more accountable, transparent, and makes stronger efforts to track and document job creation than other SBA 504 lenders. This is the biggest difference.”

Coleman: What would you think might be the most significant challenge for an SBA 504 Third Party Lender?

“Communication and synchronization with the Certified Development Company (CDC) and any other lenders involved. Every SBA 504 project that engages American Lending Center has at least two, often three, private lenders also working with the CDC. The processing and review of an SBA 504 loan application can be significantly more complicated than those of a typical commercial loan where only one single lender is involved. In the SBA 504 Program, all the players must work as a team to put the pieces together.”

Coleman: Why does American Lending Center focus on hospitality new construction projects?

“Construction is one of the most reliable and verifiable sources of job creation in the EB-5 business, and thus one of the most adopted EB-5 project types due to the generally consistent cash flow in building and staffing of hotels.”

Coleman: I know American Lending Center has a nationwide lending program for SBA 504; what would be your geographical restrictions, if any?

When the EB-5 Program is the funding source, the project location must qualify as a “Targeted Employment Area,” or TEA, defined by its unemployment rate or designated as such by the state. Other than that, there aren’t restrictions or preferred areas. American Lending Center is committed to investment in deserving businesses anywhere, including those in rural and other underserved areas, and will not simply focus on investment in developments in major urban areas. So far, the company has completed funding projects in 16 states.”

Coleman: What do you think about the growing trend of foreign direct investment in US small business lending?

“Foreign direct investment can continue to grow in this industry and fund more small business projects here in the US. I think current SBA policies will stay as supportive, if not more so, under the Trump administration. American Lending Center alone has provided over $175 million to American projects, recruited fully from EB-5 investors. Less stringent regulations could certainly allow even more non-conventional lending operations to play a bigger role in small business lending.”

Coleman: What motivates you and your team in small business lending in general?

“In this industry, every day we hear great stories of small business owners. They are just like you and me, but their passion for their businesses and their burning desire to succeed, in my estimation, keeps the engine of our economy running by creating needed jobs across the country. As of April 2017, American Lending Center and our parent company Regional Centers Holding Group had successfully funded over 60 Small Business Administration 504 projects with EB-5 funds, stimulating economic growth and job creation all over the country. The more you help those owners, the happier you are. Nothing feels better than seeing your borrower succeed in his business. That is the motivation.

About American Lending Center

American Lending Center (ALC) is a U.S. Citizenship & Immigration Service designated regional center held by Regional Centers Holding Group. ALC offers investment opportunities to immigrant investors who are interested in obtaining permanent resident status in the United States through the employment-based fifth preference visa (EB-5) program. ALC has completed funding projects in 16 states, and is committed to investment in deserving businesses anywhere, including those in rural and other underserved areas.

（新聞原稿）

有關項目內容介紹，個別家庭情況分析，資金來源的證明，過去曾有不良記錄的影響，大陸的匯款方式，歡迎進一步與喜瑞都移民公司聯繫。

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電話：00886-2-2755-2526
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郵箱：frank1007@aliyun.com


文章來源：RCH走進美國