INDUSTRIAL DEVELOPMENT BONDS (IDBs) EXPLAINED
Small issue Industrial Development Bonds (IDBs) are tax-exempt securities issued by state or local governments to help manufacturing operations finance real estate acquisition, construction, rehabilitation and equipping of new and expanding businesses. IDBs benefit the investors, the borrower, and the communities in which the projects are located. The interest income may be lower than other investments, but the tax savings may offset the difference. The renovation of abandoned and deteriorating buildings, as well as the development of underutilized land revitalizes the surrounding community. The growth in business creates jobs for local residents. Bonds typically reduce financing costs by 20% - 30% annually. In many cases these savings allow companies to purchase their leased facility or acquire a new property, allowing them to expand and increase the capacity of their operations.
IDBs can be used for property acquisition, equipment purchases, building improvements, construction and expansion. The use of IDBs is governed by both federal and state laws and regulations. Some benefits of an IDB may include low interest rates, long-term financing, comprehensive funding, and no prepayment penalties.