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Counseling Center Opens with 504 & Leasing Space

Nikischer and Associates group photo

Nestled in the heart of the Lehigh Valley is a Seedcopa borrower we could all benefit from at this high-stress time of year. Nickischer & Associates, LLC provides therapy and counseling services, including cognitive therapy and couples therapy.

The mental health counseling center is known for assisting clients with cultivating a brighter future, but it was their own future they had in mind when they approached Peoples Security Bank & Trust about a loan to purchase a building just five miles from their current location.

“Our goal was to not only create more space for our thriving practice, but to also provide tenant space for like-minded businesses, creating a complete mind/body wellness center for our clients,” said Katie Nickischer Friel, owner of Nickischer & Associates.

With the help of an SBA 504 loan facilitated by Peoples Security and Seedcopa, the mental health counseling center now occupies a peaceful and expansive space at 628 Twin Ponds Road, Breinigsville, Lehigh County, PA. Just 8 years after forming her business, Nickischer is thrilled with the 6,682-square-foot location where she occupies more than half the building and is leasing out the remainder.

Nickischer is a Licensed Professional Counselor (LPC) in Pennsylvania, Delaware and Florida, as well as being a Nationally Board-Certified Counselor. Her facility focuses on treatment of multiple mental health issues for individuals and families and is partnered with Manito Life Center, a non-profit organization that provides equine therapy to children and adults with physical and mental disabilities. The two organizations offer additional services for women’s empowerment groups, with a focus on self-esteem, social connections and emotional strength.

“Working with Seedcopa was a seamless process,” said Nickischer. “I was new to commercial real estate and working with lenders. Seedcopa guided me through the entire process, step-by-step, with understanding, efficiency and compassion.”

Key Features of SBA 504 Loans

  • SBA 504 loans fund both small and large projects, from $200,000 to over $16 million
  • A low down payment (10% in most cases) conserves working capital
  • Below-market interest rates are fixed for the life of the loan
  • Depending on the appraised value, no further collateral beyond the subject property or equipment is required
  • Many fees and costs can be wrapped into the total project
  • 10, 20 or 25 year terms

The SBA 504 Loan Consists Of…

  • A conventional first mortgage, typically for 50% of the project cost, from a third-party lender like a bank or credit union
  • The SBA-backed portion is a second mortgage, financing up to 40% of the eligible project costs
  • The remaining 10% is typically your small business owner contribution.

Contact Seedcopa for more information.

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For almost forty years, Seedcopa + SeedcoDE has helped businesses get the money they need to start, grow and expand. We are proud that the loan programs we work with promote economic development.

Together with economic development partners throughout Pennsylvania and Delaware, we help to grow local businesses, create and retain jobs and stimulate local communities.

Our team has over 75 years of combined government lending experience and a dedication to excellent customer service. After our initial assessment of your project, our commitment is to get you approved and closed.

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