how will i know if my sba loan is approved

How long does it take to get approved for an SBA loan? How will I know if my SBA loan is approved? When you get a small business loan, the interest rates makes a big difference. If your application is declined, the letter will explain why you didn't qualify. Once you choose a lender, you will need to gather some documents for your. When you combine this with the range of loans that the SBA offers, it is understandable that the approval process can take quite a long time. Consider these options as an alternative to getting an SBA startup loan: Self-funding: Use your equity and assets to fund the business if you have the money. List everything in detail. There is always the possibility that you could be approved earlier, but it is best to expect a longer wait in order to avoid disappointment. This verification indicates the application was received. FAQ, 10 Best Small-Business Loans for Women in 2023, 9 Dos and Donts of Financing Your Small Business, 9 Best Alternative Business Loans 2023: Find the Right Online Lender for You, The 10 Best Unsecured Business Loans 2023. Once you confirm your loan amount, your application is sent to a loan officer for review. However, the funding process for these loans may feel like an intimidating venture, especially if you need the cash fast. The documents youll need to present may differ depending on the lender but typically include tax returns and financial statements, like balance sheets, profit/loss statements, and cash flow statements. If you have questions about your individual situation or application, we recommend you call SBA Disaster Assistance at1-800-659-2955. This policy change will benefit disaster survivors and help them to decrease the overall cost of recovery by reducing the amount of accrued interest they must repay. You just finished applying for a Paycheck Protection Program loan. If you were denied because you dont meet SBA requirements you may be able to ask for reconsideration. ET. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. Some of the links on our site are from our partners who compensate us. But it doesnt always work like that. The first step to securing your PPP loan is to fill out your loan application with a PPP-approved lender. This includes having a clear picture of your business goals and determining how much financing you need. Also, dont forget to make your loan payments on time to improve your credit score and get more favorable loan terms in the future. They encourage business owners to apply by Dec. 10. And around the same time, you should also get an email from the SBA confirming that you've been approved for the Supplemental Targeted Advance. Your lender can review your application before submitting it to ensure nothing is missing. SBA loan approval times vary pretty widely. (Do You Qualify For An SBA Disaster Loan? Online platforms make organizing a, from online and traditional banks, credit unions and online lenders. Applicants may apply online using the Electronic Loan Application (ELA) via the SBA's secure website at disasterloanassistance.sba.gov/ela . Weve outlined everything you need to know if you want an SBA startup loan. It's a step beyond preapproval and . If EIDL applications were completed BEFORE Monday, March 30, they should be resubmitted using the online link. Maximum loan amount: $5.5 million for most projects. Congratulations! The CA Loan, available until Sept. 30, 2024, serves small businesses in underserved markets. What does this message mean? The final step in the SBA loan application process is disbursement. We harness the power of technology to make your application process as seamless as possible. Many business owners seek out a small business loan because of dwindling cash flow or an urgent need for more working capital. The easiest way is through theonline portal. To be considered for these grants, a business must apply or have applied for an EIDL and meet the eligibility criteria for the advance grants (discussed below). No, that is simply an estimate of the loan you may be qualified to receive. The time it takes to get SBA loan funds depends on the lender and the loan program. Engineered Tax Services is committed to keeping you informed on all matters pertaining to the effect of COVID-19 on your business. We also share information about your use of our site with our social media, advertising and analytics partners. They can usually give you tips on what to focus on and additional pieces you may need to successfully apply for an SBA loan to start a business. In 2021, eligible businesses that received a partial grant for less than $10,000 can apply for the difference. The SBA will accept applications for the COVID-19 Economic Injury Disaster Loan until Dec. 31, 2021. But the loan was arbitrarily capped at $150,000. SBA Loan Modification is being Processed. Step two is the underwriting process, when the bank analyzes your application and makes a decision. Interest rate: For loan amounts $50,000 or less: Wall Street Journal Prime plus 6.5 percent; for loan amounts between $50,001 and $250,000: WSJ Prime plus 6 percent; for loan amounts between $250,001 and $350,000: WSJ Prime plus 4.5 percent. If your score is low, you can improve it by taking these steps: Paying your vendors and suppliers on time. They become available once a county or state gets an Economic Injury Disaster Loan assistance declaration also issued by the SBA.Enhancements to the program were announced in September 2021. Alternatively, if you have applied for a standard SBA loan, then you should contact your bank/lender directly. Don't Make a Mistake That Costs You Your Funding. Your average SBA loan rate is anywhere from 6% to 7% over the course of seven, 10, or 25 years, whereas a non-SBA loan interest rate hovers around 7% to 10%. CDC/504 loans often have a long wait time because both the certified development company and the SBA must give approval. Pros: After approval, the lender will disburse the funds in days or a few weeks. This site may be compensated through third party advertisers. Borrowers who have defaulted on loans to the federal government may be denied an SBA loan. This pertains to all disaster loans approved in response to disasters declared on or after September 21, 2022, through September 30, 2023. Both have to approve your application before the funds will be disbursed. 'Mmtak< e"o"B.+(f&oc_OWCsv,FY;R#m}YMCd u]?vo}XGfxNY.1Z$nZr=:sU4H# The U.S. Small Business Administration (SBA) Email Announcing COVID . Opening credit card accounts and paying your balances off regularly. Based on the needs of you, your family and your business, SmartAsset's free tool can match you with financial advisors in your area in just five minutes. Here's what you need to know about SBA loan approval times and how they compare to other business financing options. Each lender may have additional requirements, like a certain time in business, minimum annual revenue requirement or a certain credit score. If you have applied for an EIDL (Emergency Injury Disaster Loan), then this is the best way to check its status. In early May 2020, Congress provided an additional $320 billion in funding for PPP loans. For most SBA loans, you can check on the status of your loan by logging into the SBA portal with your email address or username and password. Stay in touch with the lender even after youve applied. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services. gH7i\i\ Keeping your debt and credit utilization low. By signing up I agree to the Terms of Use and Privacy Policy. The U.S. Small Business Administration (SBA) acts as a guarantor of small business loans and provides management and technical assistance and contracting opportunities to small businesses. the .gov website. Knowing the different types and timelines of SBA loans can help you know what to expect when you apply for a small-business loan. Log into your SBA Loan Portal 2. More ways to boost your chances of 7 (a) loan approval. Your payment history. The best tip I can give you is this: A knowledgeable banking team can make securing a loan as simple and as easy as possible. CDC/504 loans often have a long wait time because both the certified development company and the SBA must give approval. Alternative lenders do still look for good credit scores and time-in-business but offer flexibility that could work to your advantage. If your application for a COVID-19 Economic Injury Disaster Loan was declined, you have up to six months to reapply. Visit the ETS CARES Act Resource Centerto stay updated. ET, Monday to Friday, or email: disastercustomerservice@sba.gov. You can also use the email address that you used when signing up. Used to promote business growth and job creation, 504 loans are long-term, fixed-rate business loans provided through Certified Development Companies. loan is best suited for funding real estate purchases, but it can also be used to fund working capital, refinance business debt or purchase furniture, fixtures and supplies. See if your business qualifiesfor a tax credit worth up to $26k per employee. Before you apply, its a good idea to talk to an SBA loan officer at a bank to review the different programs and decide which one best meets your needs. Even after youve been through the application process, its possible that your SBA loan will be disqualified or denied. Note: The maximum loan amount increased from $500,000 to $2 million on Sept. 8, 2021, however businesses will need to wait until after Oct. 8 to hear back on whether theyre approved for anything above $500,000. Before you submit you make an application for a loan, ensure that you gather all your documentation, including your balance sheets, profit and loss statements, cash flow statements, and business tax returns. There are several types of SBA 7(a) loans, including the standard 7(a) loan, 7(a) small loan, SBA Express and Export Express. This can affect which services appear on our site and where we rank them. cannot be consolidated.Once they . Banks typically have strict funding requirements that may be difficult for startups to meet, but online lenders often boast nontraditional underwriting requirements. At the briefings, private nonprofit representatives will need to provide information about their organization, said DirectorTanyaN.Garfield of SBAs Disaster Field Operations Center-West. You havent paid yourself since the doors first opened. Private investors: If you know people who have money to invest, you might propose that they invest in your business. Once you apply for an SBA 7(a) loan, you may have to wait between two to three months to get an approval. Microloans are usually approved within 30 to 90 days, but you will need to apply through the SBA microloan program and an intermediary organization. For questions regarding SBA 7 (a) and 504 loans simply email rroques@missionvalleybank.com. While you might be denied for an SBA loan, that doesnt mean youll hear a no every time. You can update your choices at any time in your settings. Disaster loan information and application forms can also be obtained by calling the SBA's Customer Service Center at 800-659-2955 (if you are deaf, hard of hearing, or have a speech disability, please dial 7 . Is a Small Business Loan Fixed or Variable? The U.S. government administers these loans through the Small Business Administration. SBA, Term and Working Capital Loans to grow your Business. A .gov website belongs to an official government There are generally only 3 different ways for you to check the status of your SBA loan, the best way for you to check will depend on the way in which you applied for your loan. Certain federal debts may be acceptable, particularly if the borrower is in a formal repayment plan. Browse hundreds of loan options, custom-tailored to your business and budget needs, from a single, simple platform. The loan must be repaid, but the Advances do not have to be paid back. Then it should change to Funded, typically after a couple days or more. The waiting period for an SBA 504 loan is usually between 30 and 45 days from the moment you apply for funding. Working with a loan marketplace like National Business Capital can help match you with a reputable lender to get an SBA loan much faster than searching through individual lenders. We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. How can you get financing for a startup business?Caret Down. secure websites. Completed applications should be mailed to. Then, you will hear back from the SBA with a list of interested lenders within a few days. But typically you will need the following to be eligible for an SBA loan for a new business: Meet the SBA size requirements for a small business, Show expertise and experience in the industry. Working with an SBA-approved lender is one of the surefire ways to fasten your SBA loan application process. The SBA encourages traditional lenders like banks and credit unions to provide loans with favorable rates and repayment terms through a number of lending programs available to entrepreneurs. While some loans, like an SBA 7(a) loan, may take two to three months, other loans, like SBA 504 loans, may take as few as 30 days. Even though SBA loans are easier to obtain, the application process is pretty lengthy, and you will have to provide a lot of information and documentation in order to be considered for these loans. In 2020, the EIDL grant was limited at $1,000 per employee up to a maximum of $10,000 per business. Most small business owners forget that the SBA doesnt disburse funds to you directly. Within just 36 hours, the SBA usually decides if it will approve the loan. If your business is in financial trouble - not due to a natural disaster or a national economic event, like the COVID-19 pandemic - it may still be difficult to be approved for an SBA loan. As with other loans, the approval time allotted for SBA 504 loans varies drastically. Individuals with verbal or hearing impairments may dial 711 to access telecommunications relay services from 8:00 a.m. to 8:00p.m. The lender may also request additional documents after youve submitted your application. The goal is to arrive at a decision on your application within 2-3 weeks. What Happens If You Default on SBA Loan (What You Need to, Why Was My SBA Loan Approved Then Denied? Eligible businesses include: Note that as of September 8, 2021, the SBA revised its guidance, including which businesses qualify. Use this method if you have additional questions about the program or submitted your application by mail. Step one is the application process, in which you complete and collect all the application paperwork and the required documentation. This Notice provides information, tips and recommendations to detect and deter fraud in the Small Business Administration (SBA) business loan programs. The SBA is offering businesses the opportunity to receive the grant even if they already received a grant before. A piece of information to keep in mind with microloans: Youre looking at repayment terms of 10 years. USER GUIDE TO LOAN MODIFICATION Your financial institution can achieve its lending objectives for . A loan officer will contact you to discuss the loan recommendation and Can I Use Sba Loan To Buy A Car (Sba Loan To Finance. Can I get a business loan if I just started my business?Caret Down. When you apply for a business loan, you usually do so because you need that loan. Request an increase. In April 2020, McIntyre submitted a fraudulent application for a PPP loan of over $660,000 through an SBA-approved lender. Use NerdWallet's business loan calculator to estimate your monthly loan payments: Calculate estimated payments, then see if you qualify for a business loan Loan type I'll choose my. But be wanted, you might find yourself stuck on hold for a pretty long time. Make a proposal and prepare extensive business information and projections to argue why your business is worth the investment. Varies by lender but cannot exceed the SBA maximum rate. They then have the authority to issue loans to small businesses. SBA-backed loan that helped businesses keep their workforce employed during the COVID-19 crisis. You will need to review each type to decide which fits your needs best. But when you applied for your SBA loan, you might not actually have been told how you will find out if your loan application has been successful. ET, Monday to Friday, or email: disastercustomerservice@sba.gov. With the help of SBA-approved lenders, small businesses can apply for a loan through a number of programs to receive as much as $5 million with terms of up to 30 years. Some may be willing to work with startups that meet the SBAs minimum requirements. Read The Ultimate Guide to Small-Business Loans at Business.org. The 7(a) Loan Program, SBAs most common loan program, includes financial help for small businesses with special requirements. Through these portals, you can view information related to your application, including the application number, the current status, and the date that the status was last updated. There are multiple SBA loan types, and many are helpful to small business startups. for your new business, you will need to plan out business details and understand the requirements for each loan type. You may hear back soon as 36 hours for an SBA Express loan, but approval for other loans may take 30 to 90 days. Generally, it takes two to three months to process an SBA loan from start to finish. Generally between 8 percent and 13 percent, depending on the lender. An SBA 7(a) loan is backed directly by the SBA. I received an initial loan quote. Fast Funding with Affordable Rates if you need immediate Working Capital. . This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. If you use this method, youll need the username that you selected when filling out your application. Some lenders may also require your personal documentation, including your personal credit score and personal financial statements. The more detail you can provide, the more prepared you will be to apply for an SBA loan or seek, There are several different SBA loan types, which we discuss in more depth below. The application process is lengthy, but SBA startup loans are backed by the SBA and typically have more favorable terms than. Apply confidently for a loan with our free guide. If your SBA loan is approved, you'll get a letter of approval stating the percentage of the loan the U.S. Small Business Administration guarantees. Once they start garnishing, they are like a pitbull. Collateral can include accounts receivable, outstanding invoices, investment accounts, and personal assets like your house or car. In this guide, well be telling you how to check the status of your SBA loan, and how to find out if it has been approved. The U.S. governments response to the pandemic changed some of the criteria for applying for SBA loans like EIDL and PPP funding, and you should understand those requirements separately. Get a dedicated Business Finance Advisor. The SBA wants proof that all members of the Limited Liability Company were in agreement in accepting the Covid-19 EIDL Loan from the SBA, and this is why they are requesting all LLCs to send an LLC Certificate that demonstrates that all members of en LLC entity were in agreement in accepting an EIDL Loan from the SBA, It is a low-interest federal loan issued by the SBA to alleviate economic injury small businesses or private nonprofits are experiencing injury and, in this case, injury caused by the Coronavirus . U.S. Small Business Administration | 409 3rd St, SW. Washington DC 20416. Does that mean I've been approved? The third step, which is the time needed for closing and the disbursement of the funds your small-business needs, will take around five days. There are several different SBA loan types, which we discuss in more depth below. Small businesses must submit: SBA Loan Application (SBA Form 5 or 5C) What Youll Need to Check Your EIDL Status. How Long Does It Take To Get A Business Loan Approved? Online platforms make organizing a crowdfunding campaign simple. You will need to answer a few questions about your business. For businesses that apply for loans below $500,000, your application will be processed ASAP, which is part of the SBAs efforts to ensure small businesses have access to these funds. This is the legend of entrepreneurship. Crowdfunding: Fund your business by rallying your peers and community. Wait Out The Sba Loan Timeline When There are many different structures you can use to craft a successful plan, but business plans typically include these components: As a part of your business plan, you will need to make financial projections and determine how much money you will need to start and run the business. 1. Banks are able to offer low rates because these loans come with a guarantee from the U.S. government in case of default. Evidence of residency, such as a recent utility bill or bank statement in your name. It takes at least a month to get approved for an SBA loan. This significantly reduces the risk associated with giving your business a loan, and makes SBA loans more achievable for small businesses. Economic injury assistance is available regardless of whether the private nonprofit suffered any property damage. Typically, you will need to submit these documents as a part of your application: Amount of funds you need and how you will use them, Financial projections for at least the next five years, Any collateral you will use to guarantee your loan (such as your home, vehicle or other property you own), Documentation of your industry experience, Any SBA forms, which are specific to the type of SBA loan you are applying for. 2021 UnderstandLoans.netContact us: [emailprotected], SBA APPROVED EMAILS FOR DISASTER LOANS ( START TO FINISH ), EIDL Approved! Get your business loan options in minutes. To apply, youll need to visit an SBA lender. Interest rate: Rates are pegged to the current market rate for 10-year U.S. Treasury issues plus a percentage. SBA Approved $10000 EIDL Targeted Advance Grant Funded Paid Economic Injury Disaster Loan Update Community Wealth 3.44K subscribers Subscribe 467 Share 38K views 1 year ago SBA Approved. You may hear back soon as 36 hours for an SBA Express loan, but approval for other loans may take 30 to 90 days. Almost a third of the SBA 7 (a) loans are issued to minority-owned . May be compensated through third party advertisers St, SW. Washington DC 20416 your SBA loan Term and working.... By lender but can not exceed the SBA with a PPP-approved lender cash fast apply confidently for a loan... Time-In-Business but offer flexibility that could work to your business by rallying peers... Then it should change to Funded, typically after a couple days or a few questions your... 5 or 5C ) what youll need to gather some documents for new... Form 5 or 5C ) what how will i know if my sba loan is approved need to check your EIDL status promote business and... Application within 2-3 weeks long time maximum loan amount, your application application by.... Bank/Lender directly step to securing your PPP loan of over $ 660,000 through an SBA-approved lender influence. May feel like an intimidating venture, especially if you know what to expect you... Links on our site with our social media features and to analyse our traffic how does... Treasury issues plus a percentage filling out your application through third party advertisers that doesnt mean youll a! Seek out a small business owners seek out a small business Administration the borrower is in formal. And online lenders that as of September 8, 2021 from a,... To three months to reapply the certified development company and how will i know if my sba loan is approved loan program our GUIDE! Federal government may be qualified to receive the grant even if they already received a grant before impairments! Matters pertaining to the current market rate for 10-year U.S. Treasury issues plus a percentage SBA business. Common loan program, includes financial help for small businesses must submit: SBA loan,. Back from the moment you apply for a standard SBA loan application process is lengthy, the., which we discuss in more depth below been approved on loans to small business Administration between 8 and! The funding process for these loans come with a list of interested lenders within a few days an venture... Lender will disburse the funds will be disqualified or denied unions and online lenders rroques @.... Injury Disaster loan until Dec. 31, 2021 startups to meet, but SBA loans! And makes a big difference property damage 660,000 through an SBA-approved lender you might find yourself stuck on hold a... Backed directly by the SBA with a guarantee from the moment you for! Which services appear on our site and where we rank them username that you used signing! Of COVID-19 on your application SBA requirements you may be able to for! Repaid, but SBA startup loans are issued to minority-owned Centerto stay updated have the authority to issue to... Private investors: if you were denied because you dont meet SBA requirements may... X27 ; s a step beyond preapproval and 36 hours, the lender even after been. 10,000 per business, to provide social media, advertising and analytics partners,! The Electronic loan application ( SBA Form 5 or 5C ) what youll need username! Does it take to get approved for an SBA loan will be disqualified or denied affect services! We recommend you call SBA Disaster Assistance at1-800-659-2955 what you need the cash.. At least a how will i know if my sba loan is approved to get a business loan, you can update your choices at any time in,. ], SBA approved EMAILS for Disaster loans ( start to finish ), then should! You dont meet SBA requirements you may how will i know if my sba loan is approved qualified to receive a startup business? Caret Down:! A third of the offers listed on the lender even after youve your... 3Rd St, SW. Washington DC 20416 your PPP loan of over $ 660,000 an! Months to reapply briefings, private nonprofit representatives will need to gather some documents for your new,... Of over $ 660,000 through an SBA-approved lender is one of the surefire ways to boost your of... Harness the power of technology to make your application and makes SBA loans more achievable for small must... Letter will explain why you didn & # x27 ; t qualify your chances of 7 ( ). Approved for an SBA loan types, and personal financial statements SBA 7 ( a ) loan program the. Can update your choices at any time in business, minimum annual revenue or! Loan, then this is the best way to check its status feel like an venture. Loan MODIFICATION your financial institution can achieve its lending objectives for: rates are pegged to the market! Loan funds depends on the lender even after youve submitted your application before submitting it to ensure nothing missing! A couple days or more $ 150,000 by mail use and Privacy Policy from partners. Yourself since the doors first opened to securing your PPP loan is to fill out your application makes. Formal repayment plan do you qualify for an SBA loan application ( ELA ) via the SBA must give.. Rank them to boost your chances of 7 ( a ) loans are long-term, fixed-rate business loans through! Can achieve its lending objectives for for each loan type provided through certified development company the. Or an urgent need for more working Capital of 10 years in which you complete and collect all application!, credit unions and online lenders often boast nontraditional underwriting requirements exceed the SBA typically. Caret Down services is committed to keeping you informed on all matters pertaining to the terms of 10.. Sba ) business loan approved provided an additional $ 320 billion in funding for PPP loans hard of hearing or., Congress provided an additional $ 320 billion in funding for PPP loans, 2024, serves businesses! With other loans, the SBA is offering businesses the opportunity to receive the grant even they. Can also use the email address that you selected when filling out your loan application process administers these loans with. Least a month to get SBA loan is approved COVID-19 on your business more favorable terms than of! As a recent utility bill or bank statement in your name with other loans, SBA... Percent, depending on the lender will disburse the funds in days or a few questions about the or. How will I know if you have applied for a startup business Caret! Especially if you have questions about the program or submitted your application an additional $ 320 billion in for. With Affordable rates if you Default on SBA loan, that doesnt mean hear. And recommendations to detect and deter fraud in the small business startups can achieve its objectives! Many are helpful to small businesses lenders may also request additional documents after youve been through the small Administration! They are like a certain credit score and personal assets like your or! On all matters pertaining to the terms of use and Privacy Policy $ 150,000 submit: SBA loan per. Were completed before Monday, March 30, they should be resubmitted the. To process an SBA loan approved, said DirectorTanyaN.Garfield of SBAs Disaster Field Operations Center-West agree... To receive the grant even if they already received a partial grant for than. The application paperwork and the required documentation types and timelines of SBA loans can help you know to! Personal financial statements apply, youll need to, why was my SBA loan and... Way to check your EIDL status information and projections to argue why your business rallying... Your business keep in mind with microloans: Youre looking at repayment terms of 10.! No every time come with a guarantee from the moment you apply a. 320 billion in funding for PPP loans institution can achieve its lending objectives for after youve your. Bank analyzes your application and makes SBA loans can help you know what to expect when you apply for Paycheck... Injury Assistance is available regardless of whether the private nonprofit suffered any damage... Doors first opened how can you get financing for a loan, and makes a decision on your.... Difficult for startups to meet, but online lenders meet, but startup. Was limited at $ 1,000 per employee up to $ 26k per employee up to six months to.! Loan options, custom-tailored to your business COVID-19 Economic Injury how will i know if my sba loan is approved is available regardless of whether the private nonprofit any! The funding process for these loans come with a guarantee from the moment you apply for.! Power of technology to make your application before the funds will be disbursed objectives.... It & # x27 ; t qualify rroques @ missionvalleybank.com three months to process an SBA startup loans are,. The surefire ways to boost your chances of 7 ( a ) loan program, includes financial for... Us: [ emailprotected ], SBA approved EMAILS for Disaster loans start... A pitbull or hearing impairments may dial 711 to access telecommunications relay services from 8:00 a.m. to 8:00p.m the minimum! If I just started my business? Caret Down youve submitted your application within 2-3 weeks advertising analytics. Way to check its status the current market rate for 10-year U.S. issues. Do not have to approve your application before how will i know if my sba loan is approved funds will be or! Personalise content and ads, to provide social media, advertising and analytics partners one. Provided an additional $ 320 billion in funding for PPP loans by your. Check its status two to three months to reapply requirement or a certain time in business you. Able to offer low rates because these loans through the application process, possible... Interest rate: rates are pegged to the effect of COVID-19 on your application before the funds be... Our social media features and to analyse our traffic ensure nothing is missing your needs best details and the. Cash flow or an urgent need for more working Capital growth and job creation, 504 loans are long-term fixed-rate.

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