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Borrowers can utilize microloans for everything covered under 7(a) loans except paying off existing debt or purchasing real estate. These loans are intended for new or growing small businesses. They may take out loans as large as $5 million for up to 10 years for working capital or 25 years for fixed assets. Borrowers can also use the funds for debt financing. Such acquisitions may consist of machinery, equipment, land, or new buildings. These may include working capital or different types of purchases. This is the primary small business loan offered by the SBA, and it is usually what one means when referring to an "SBA loan."ħ(a) loans make up more than 75% of all SBA loans, and borrowers utilize them for varied purposes. The SBA offers four types of small business loans: Additionally, maximum loan limits may fall short of covering the more costly needs of some businesses. Moreover, approval may take longer, and their strict regulations tend to give business owners less freedom. ![]() However, SBA loans require additional paperwork and extra fees. This encourages loans by reducing lender risk. The SBA guarantees these lenders 75% to 90% of the loan amount in case of default. The actual SBA loan funds are not provided by the government, but by banks, local community organizations, or other financial institutions. Depending on the type of SBA loan, borrowers can use them for various purposes, including: Small Business Administration, are designed to meet the financing needs of many different business types. Small Business Administration (SBA) loans, or loans federally regulated by the U.S. The following is a list of common loan options for U.S. A select few can require repayment when the loans mature.īusiness loans also come in many different forms. 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NEW TRACKS AND SERVICE KITS ARE AVAILABLE AT UNBEATABLE PRICES.įor further detailed specifications please click on the following link: Note: It is being sold with three buckets, 350mm trenching, 550mm digging, 800mm mud.ĪLSO NOTE WE HAVE MULTIPLE MACHINES AVAILABLE, FIRST IN FIRST SERVED. It’s fitted with a R.O.P.S canopy and also has been fitted with the optional external auxilery hydraulics (hammer piping) for attachments such as the breaker, auger drive etc. It’s powered by a Perkins ecomax 14.7kw injected diesel, Starts easily and runs like a charm. ![]() This JCB excavator is one of the most advanced in its class. Up for offer is a 20 CTS 1.5 TON MINI EXCAVATOR with less than 1400 hours and remains in excellent working condition. “JCB, 3RD LARGEST MANUFACTURER AND UPCOMING WORLD LEADER IN CONSTRUCTION MACHINERY” 20 CTS 1.5T MINI EXCAVATOR WITH THREE BUCKETS “LESS THAN 1400 HOURS” ![]() ![]() These time zones encompass most of the contiguous United States. Likely the most well-known include Eastern, Central, Mountain, and Pacific Time Zones. In the U.S., there are a total of 9 time zones used. As a general rule of thumb, a change of 15° of longitude should result in a time difference of 1 hour. Many countries have more than one time zone. The following map displays the standard time zones across the world. As can be seen, although there is a general standard throughout the world for defining time zones, it is still highly dependent on the country, and is subject to change. Russia on the other hand, is divided into 11 time zones, though at one point this was reduced to 9 time zones. For example, China and India only use a single time zone even though they are countries that encompass far larger an area than 15° of longitude. Generally, a time change of 1 hour is required with each 15° change of longitude, but this does not necessarily always happen. Nepal, the final holdout, did not adopt a standard offset of UTC until 1956, and even then, has a less common offset of UTC+5:45. It wasn't until 1929 before most countries adopted hourly time zones. Time zones throughout the world vary, and used to vary even more than they currently do. Most commonly, UTC is offset by an hour, but in some cases, the offset can be a half-hour or quarter-hour, such as in the case of UTC+06:30 and UTC+12:45. UTC offset can range from UTC-12:00 to UTC+14:00. Generally, time zones are defined as + or - an integer number of hours in relation to UTC for example, UTC-05:00, UTC+08:00, and so on. UTC breaks time into days, hours, minutes, and seconds, where days are usually defined in terms of the Gregorian calendar. ![]() Most time zones that are on land are offset from UTC. UTC is not dependent on daylight saving time (DST), though some countries switch between time zones during their DST period, such as the United Kingdom using British Summer Time in the summer months. UTC, which is based on highly precise atomic clocks and the Earth's rotation, is the new standard of today. Although GMT used to be a time standard, it is now mainly used as the time zone for certain countries in Africa and Western Europe. Although GMT and Coordinated Universal Time (UTC) essentially reflect the same time, GMT is a time zone, while UTC is a time standard that is used as a basis for civil time and time zones worldwide. Greenwich Mean Time (GMT) is the mean solar time at the Royal Observatory located in Greenwich, London, considered to be located at a longitude of zero degrees. ![]() They are often based on the boundaries of countries or lines of longitude. 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