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In the case of small manufacturers, up to $4,000,000 may be available, with one job created or retained for every $100,000 received in financing, or with at least one public policy goal being met. In order to be eligible for a loan as a small manufacturer, business must have all of their production facilities located within the United States, and have the primary business classified in sectors 31, 32, or 33 in the North American Industrial Classification System. Further eligibility criteria apply not only to small manufacturers, but all businesses Cigarettes Online USA. In order to qualify for a 504 loan Cigarettes Online Free Shipping, a business must meet the size requirements set by the SBA. The net worth of the business must be less that $8.5 million, with average net income at or below $3 million after taxes for the previous two years. No loans will be made to businesses who invest in rental real estate or engage in speculation Wholesale Cigarettes Online. Loans in the 504 program mature in 10 or 20 years, with interest rates pegged to the market value of US Treasury bonds. Fees on the loans are generally 3% of the total amount, and may be financed with the loan. As a rule, the projects being financed under the program are used as collateral on the loan, and personal guarantees of the business owners are also required Cheap Cigarettes Online USA.