Buying the Home for Your Business is a critical step to insuring its growth and success. With NMTC, you not only get the tax benefits, appreciation, and personal control of ownership, but you also fix your occupancy costs in an optimal manner tailored to your company’s needs.

New Market Tax Credit Loans provide tax credits to funding sources so that they in turn can offer better loan terms than conventional financing alone, on the financing for your company's commercial real estate needs. Here’s how these advantages can work for you.

Low Interest Rates

The current interest rate for January of 2007 is:

7.1%

Please see the Rates & Terms page for more detailed information

Long term, fully amortizing financing. NMTC financing is typically structured with a 25 year fully-amortizing loan term. The loans have no balloon payments, calls, early due dates and do not have any negative amortization. The result is a long term to minimize your monthly payment and maximize affordability.

Fixed rates. These reasonable fixed rates help you to fix your company’s occupancy costs. The NMTC rates are fixed for the first 7 years of the loan, and then reset once for the remaining 18 years of the loan. The result is stability in your interest rate, in order to maximize the benefit of your financing. 

A down payment or equity requirement as low as 10%. This is designed to help preserve your company’s working capital and help your company grow and reach its goals that much faster. 

Ownership Options. With NMTC you can typically own the assets being financed personally, or in a single purpose holding company. This helps you to maximize your returns, minimize your taxes, and limits your liability to help you better manage your assets.

Overall, with NMTC Financing, the result is a financing structure that is optimal for you and your company’s growth and success.