{"id":40837,"date":"2026-02-04T15:52:12","date_gmt":"2026-02-04T20:52:12","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=40837"},"modified":"2026-02-04T15:52:16","modified_gmt":"2026-02-04T20:52:16","slug":"sba%ec%97%b0%eb%b0%a9%ec%a4%91%ec%86%8c%ea%b8%b0%ec%97%85%ec%b2%ad-%eb%8b%a4%ec%9d%8c%eb%8b%ac%eb%b6%80%ed%84%b0-%eb%b9%84%ec%8b%9c%eb%af%bc%ea%b6%8c%ec%9e%90-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8b%a8","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/sba%ec%97%b0%eb%b0%a9%ec%a4%91%ec%86%8c%ea%b8%b0%ec%97%85%ec%b2%ad-%eb%8b%a4%ec%9d%8c%eb%8b%ac%eb%b6%80%ed%84%b0-%eb%b9%84%ec%8b%9c%eb%af%bc%ea%b6%8c%ec%9e%90-%eb%8c%80%ec%b6%9c-%ec%a4%91%eb%8b%a8\/","title":{"rendered":"SBA(\uc5f0\ubc29\uc911\uc18c\uae30\uc5c5\uccad), \ub2e4\uc74c\ub2ec\ubd80\ud130 \ube44\uc2dc\ubbfc\uad8c\uc790 \ub300\ucd9c \uc911\ub2e8"},"content":{"rendered":"

\u25b6 3\uc6d4\ubd80\ud130 \uc601\uc8fc\uad8c\uc790 \ub4f1 \ubc30\uc81c
\u25b6 100% \ubbf8 \uad6d\uc801\uc790\ub9cc \uc790\uaca9<\/p>\n\n\n\n

\u25b6 \uc720\ud6a8 \uae30\uac04\uc740 1\ub144\uac04 \uba85\uc2dc
\u25b6 \ud55c\uc778 \uc740\ud589\uacfc \uc5c5\uccb4\ub4e4 \ud0c0\uaca9<\/p>\n\n\n\n

\uc5f0\ubc29 \uc911\uc18c\uae30\uc5c5\uccad(SBA)\uc774 \uc624\ub294 3\uc6d4 1\uc77c\ubd80\ud130 1\ub144\uac04 \uc601\uc8fc\uad8c\uc790 \ub4f1 \ube44\uc2dc\ubbfc\uad8c\uc790\ub97c \ub300\ucd9c \ub300\uc0c1\uc5d0\uc11c \ubc30\uc81c\ud558\ub294 \uc815\ucc45\uc744 \uacb0\uad6d \uc2dc\ud589\ud0a4\ub85c \ud558\uba74\uc11c \uc801\uc796\uc740 \ud30c\uc7a5\uc774 \uc608\uc0c1\ub41c\ub2e4.<\/p>\n\n\n\n

SBA\uac00 2\uc77c \ubc1c\ud45c\ud55c \uc815\ucc45 \uc9c0\uce68(SBA Policy Notice)\uc5d0 \ub530\ub974\uba74 3\uc6d4 1\uc77c\ubd80\ud130 7(a)\uc640 504 \ub300\ucd9c \ud504\ub85c\uadf8\ub7a8 \uc2e0\uccad \uae30\uc5c5\uc758 \uc9c1\u00b7\uac04\uc811 \uc9c0\ubd84 100%\uac00 \ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790 \ub610\ub294 \ubbf8\uad6d \uad6d\uc801\uc790\uc5ec\uc57c \ud55c\ub2e4\uace0 \uaddc\uc815\ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\uadf8\ub3d9\uc548 \ud5c8\uc6a9\ub410\ub358 \uc601\uc8fc\uad8c\uc790 \ud5c8\uc6a9\uacfc \ucd5c\ub300 5% \uc678\uad6d\uc778 \uc9c0\ubd84 \uc608\uc678 \uaddc\uc815\ub3c4 \ubaa8\ub450 \ud3d0\uc9c0\ub410\ub2e4.<\/p>\n\n\n\n

<\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/a><\/p>\n\n\n\n

\uc774\ubc88 \uc9c0\uce68\uc740 \uc77c\ub2e8 2027\ub144 3\uc6d4 1\uc77c\uae4c\uc9c0 \uc2dc\ud589\ub418\uba70 \uadf8 \uc774\ud6c4\uc5d0\ub294 \uc5f0\uc7a5 \ub610\ub294 \ubcc0\uacbd, \ud3d0\uc9c0\uac00 \uc0c8\ub85c \uacb0\uc815\ub418\uac8c \ub41c\ub2e4.<\/p>\n\n\n\n

SBA\uc758 \uc774\ubc88 \uacb0\uc815\uc73c\ub85c \uc601\uc8fc\uad8c\uc790 \ub4f1 \ud569\ubc95\uc801 \uccb4\ub958 \uc2e0\ubd84\uc784\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0, \ub9ce\uc740 \uc774\ubbfc\uc790 \uc5c5\uc8fc\ub4e4\uc774 \uc815\ubd80 \ubcf4\uc99d \ub300\ucd9c\uc5d0\uc11c \ubc30\uc81c\ub418\uba74\uc11c \uc8fc\uc694 \uc790\uae08\uc904\uc774 \ub9c9\ud788\uac8c \ub410\ub2e4. \ud2b9\ud788 \uc790\ubcf8\ub825\uc774 \uc57d\ud55c \uc774\ubbfc 1\uc138 \ud55c\uc778 \uc5c5\uc8fc\ub4e4\uc758 \ud0c0\uaca9\uc774 \uc6b0\ub824\ub41c\ub2e4.<\/p>\n\n\n\n

SBA\uc758 \uc0c8\ub85c\uc6b4 \uac1c\uc815 \uc815\ucc45 \uc9c0\uce68\uc5d0 \ub530\ub974\uba74 SBA \ub300\ucd9c\uc744 \uc2e0\uccad\ud558\ub294 \uae30\uc5c5\uc740 \uc18c\uc720\uc8fc(business ownership) \uc804\uc6d0\uc774 \ubbf8\uad6d \uc2dc\ubbfc\uad8c\uc790 \ub610\ub294 \ubbf8\uad6d \uad6d\uc801\uc790\uc5ec\uc57c \ud55c\ub2e4. \uc774\ub4e4 \uc18c\uc720\uc8fc\uc758 \uc8fc \uac70\uc8fc\uc9c0\ub3c4 \ubbf8\uad6d \ubcf8\ud1a0 \ub610\ub294 \uc601\ud1a0 \ub0b4\ub85c \uc81c\ud55c\ub41c\ub2e4.<\/p>\n\n\n\n

\ub3c4\ub110\ub4dc \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc740 1\uae30 \ucde8\uc784\ubd80\ud130 \ube44\uc2dc\ubbfc\uad8c\uc790\uc758 \uc815\ubd80 \ubcf4\uc99d SBA \ub300\ucd9c\uc744 \uc81c\ud55c\ud574\uc654\ub2e4.<\/p>\n\n\n\n

\ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839 1\uae30 \ucde8\uc784 \uc804\uc5d0\ub294 \ub300\ucd9c \uc2e0\uccad \uae30\uc5c5 \uc18c\uc720 \uc9c0\ubd84\uc758 51%\uac00 \uc2dc\ubbfc\uad8c\uc790\ub098 \uc601\uc8fc\uad8c\uc790\uc774\uc5c8\uc73c\uba74 \uac00\ub2a5\ud588\uc9c0\ub9cc \uc774\ud6c4 \uc774\ub97c 100% \uc601\uc8fc\uad8c\uc790\ub098 \uc2dc\ubbfc\uad8c\uc790\ub85c \uc81c\ud55c\ud588\ub2e4. \uadf8\ub7ec\ub098 \uc5ec\uc804\ud788 \uc601\uc8fc\uad8c\uc790\uc5d0\uac8c\ub3c4 \uc2e0\uccad\uc790\uaca9\uc744 \ubd80\uc5ec\ud588\ub2e4.<\/p>\n\n\n\n

\uc774\ud6c4 2025\ub144 12\uc6d4 19\uc77c \uc601\uc8fc\uad8c\uc790\ub098 \uc2dc\ubbfc\uad8c\uc790 \ube44\uc728\uc744 95%\ub85c \uc644\ud654\ud588\ub2e4\uac00 \uc774\ubc88\uc5d0 \ub2e4\uc2dc \uaddc\uc815\uc744 \ube44\uc2dc\ubbfc\uad8c\uc790 \ubc30\uc81c\ub85c \ub300\ud3ed \uac15\ud654\ud588\ub2e4. \ud2b8\ub7fc\ud504 \ub300\ud1b5\ub839\uc740 2025\ub144 1\uc6d4 \ube44\uc2dc\ubbfc\uad8c\uc790\uc5d0 \ub300\ud55c \uc815\ubd80 \uc9c0\ucd9c\uc774\ub098 \ub300\ucd9c\uc744 \uc81c\ud55c\ud558\ub294 \ud589\uc815\uba85\ub839\uc5d0 \uc11c\uba85\ud588\uc73c\uba70 \uc774\ubc88 \uc9c0\uce68\ub3c4 \uc774 \ud589\uc815\uba85\ub839\uc5d0 \uadfc\uac70\ub97c \ub450\uace0 \uc788\ub2e4.<\/p>\n\n\n\n

\uc774\ubc88 \uc870\uce58\ub85c \uc778\ud574 SBA \ub300\ucd9c \ube44\uc911\uc774 \ub192\uc740 \ud55c\uc778\uc740\ud589\ub4e4\ub3c4 \ud0c0\uaca9\uc774 \uc608\uc0c1\ub41c\ub2e4.<\/p>\n\n\n\n

\ud55c\uc778\uc740\ud589\ub4e4\uc740 \ubbf8 \uc804\uad6d \uae08\uc735\uae30\uad00 \uc911 SBA \ub300\ucd9c \uc2e4\uc801\uc774 \uc804\uad6d \uc0c1\uc704\uad8c\uc5d0 \uc18d\ud574 \uc788\ub2e4. \uc2e4\uc81c \ubbf8 \uc804\uad6d 15\uac1c \ud55c\uc778 \uae08\uc735\uae30\uad00\ub4e4\uc740 2025\ud68c\uacc4\uc5f0\ub3c4\uc5d0 7(a) \ud504\ub85c\uadf8\ub7a8\uc5d0\uc11c\ub9cc 18\uc5b53,750\ub9cc\ub2ec\ub7ec \uaddc\ubaa8\uc758 \ub300\ucd9c\uc744 \uc81c\uacf5\ud588\ub2e4.<\/p>\n\n\n\n

\ubc45\ud06c\uc624\ube0c\ud638\ud504 SBA \ubd80\uc11c \uad00\uacc4\uc790\ub294 \u201c\ud55c\uc778 \uc740\ud589\uc5d0\uc11c SBA\ub97c \uc2e0\uccad\ud558\ub294 \ud55c\uc778 \ube44\uc2dc\ubbfc\uad8c\uc790 \ube44\uc728\uc774 20~30%\uc5d0 \ub2ec\ud558\ub294 \ub9cc\ud07c \uc0c8 \uc9c0\uce68\uc73c\ub85c \uc778\ud574 \uc740\ud589\uacfc \uc2e0\uccad\uc790 \ubaa8\ub450 \ubd80\uc815\uc801 \uc601\ud5a5\uacfc \ud0c0\uaca9\uc774 \ubd88\uac00\ud53c\ud558\ub2e4\u201d\uba70 \u201c\uc740\ud589\uc774 \ub300\ucd9c \uc2b9\uc778 \ud6c4 \uc11c\ub958\ub97c SBA\ub85c \ub118\uac70\uc57c\ud558\uae30 \ub54c\ubb38\uc5d0 \ub2f9\uc7a5 \uc2e0\uccad\uc790\ub4e4\uc758 \uc774\ubbfc \uc2e0\ubd84\ubd80\ud130 \ud655\uc778\ud558\uace0 \uc788\ub2e4\u201d\uace0 \ub9d0\ud588\ub2e4.<\/p>\n\n\n\n

\uc774 \uad00\uacc4\uc790\ub294 \ub2e4\ub9cc \u201c\uc774\ubc88 \uc815\ucc45 \uc9c0\uce68 \uc720\ud6a8\uae30\uac04\uc774 1\ub144\uc774\uace0 \ud2b8\ub7fc\ud504 \ud589\uc815\ubd80\uc758 \uc815\ucc45 \uc804\ub840\ub97c \ubd24\uc744 \ub54c \uc9c0\uce68\uc774 \uc644\ud654\ub418\uac70\ub098 \ud3d0\uc9c0\ub420 \uac00\ub2a5\uc131\ub3c4 \ubc30\uc81c\ud560 \uc218 \uc5c6\ub294 \ub9cc\ud07c \uae30\ub300\ub97c \ud558\uace0 \uc788\ub2e4\u201d\uace0 \ub367\ubd99\uc600\ub2e4.<\/p>\n\n\n\n

\uc804\ubb38\uac00\ub4e4\uc740 \uc774\ubbfc\uc790 \ucc3d\uc5c5 \uae30\uc5c5\uc774 \ubbf8 \uc804\uccb4 \uae30\uc5c5\uc758 20% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\uace0, \ud2b9\ud788 \uc9c0\uc5ed \uc0c1\uad8c \uc720\uc9c0\uc640 \uacbd\uc81c \ud68c\ubcf5\uc758 \ud575\uc2ec \ucd95\uc774\ub77c\ub294 \uc810\uc744 \uac15\uc870\ud55c\ub2e4<\/p>\n\n\n\n

\uc2e4\uc81c \uc774\ubc88 \uc870\uce58\uc5d0 \ub300\ud574 \ubbfc\uc8fc\ub2f9\uc744 \uc911\uc2ec\uc73c\ub85c \uc5f0\ubc29 \uc758\ud68c\uc5d0\uc11c\ub3c4 \ube44\ud310\uc758 \ubaa9\uc18c\ub9ac\uac00 \ub098\uc624\uace0 \uc788\ub2e4. \uc77c\ubd80 \uc758\uc6d0\ub4e4\uc740 \uc774\ubc88 \uc870\uce58\ub97c \uc138\uae08\uc744 \ub0b4\uace0 \ud569\ubc95\uc801\uc73c\ub85c \uac70\uc8fc\ud558\ub294 \uc774\ubbfc\uc790\ub97c \uc81c\ub3c4\uc801\uc73c\ub85c \ubc30\uc81c\ud558\ub294 \uae09\uaca9\ud55c \uc815\ucc45 \uc804\ud658\uc73c\ub85c \uaddc\uc815\ud558\uba74\uc11c \uc774\ubbfc\uc790 \ube44\uc988\ub2c8\uc2a4\uac00 \ub9ce\uc740 \uc9c0\uc5ed \uacbd\uc81c\uc5d0\ub3c4 \ubd80\uc815\uc801 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc774\ub77c\uace0 \uacbd\uace0\ud588\ub2e4.<\/p>\n\n\n\n

<\uc870\ud658\ub3d9 \uae30\uc790><\/p>","protected":false},"excerpt":{"rendered":"

\u25b6 3\uc6d4\ubd80\ud130 \uc601\uc8fc\uad8c\uc790 \ub4f1 \ubc30\uc81c\u25b6 100% \ubbf8 \uad6d\uc801\uc790\ub9cc \uc790\uaca9 \u25b6 \uc720\ud6a8 \uae30\uac04\uc740 1\ub144\uac04 \uba85\uc2dc\u25b6 \ud55c\uc778…<\/p>","protected":false},"author":1,"featured_media":40844,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"WB4WB4WP_MODE":"","WB4WP_PAGE_SCRIPTS":"","WB4WP_PAGE_STYLES":"","WB4WP_PAGE_FONTS":"","WB4WP_PAGE_HEADER":"","WB4WP_PAGE_FOOTER":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[37],"tags":[2282],"class_list":["post-40837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politics","tag-2282"],"yoast_head":"\nSBA(\uc5f0\ubc29\uc911\uc18c\uae30\uc5c5\uccad), \ub2e4\uc74c\ub2ec\ubd80\ud130 \ube44\uc2dc\ubbfc\uad8c\uc790 \ub300\ucd9c \uc911\ub2e8 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/koreatimesphila.com\/en\/sba\uc5f0\ubc29\uc911\uc18c\uae30\uc5c5\uccad-\ub2e4\uc74c\ub2ec\ubd80\ud130-\ube44\uc2dc\ubbfc\uad8c\uc790-\ub300\ucd9c-\uc911\ub2e8\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SBA(\uc5f0\ubc29\uc911\uc18c\uae30\uc5c5\uccad), \ub2e4\uc74c\ub2ec\ubd80\ud130 \ube44\uc2dc\ubbfc\uad8c\uc790 \ub300\ucd9c \uc911\ub2e8 - \ud55c\uad6d\uc77c\ubcf4 \ud544\ub77c\ub378\ud53c\uc544\" \/>\n<meta property=\"og:description\" content=\"\u25b6 3\uc6d4\ubd80\ud130 \uc601\uc8fc\uad8c\uc790 \ub4f1 \ubc30\uc81c\u25b6 100% \ubbf8 \uad6d\uc801\uc790\ub9cc \uc790\uaca9 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