Articles
As SBA regulations change, we help lending teams stay ahead with industry insights, thoughtful review, strategic advocacy, and real-world solutions for navigating complex legislative and regulatory requirements with confidence. These articles are provided for general information and educational purposes only. It does not solicit, establish, or continue an attorney-client relationship.
SBA Lending | SOP 50 57 4
October 23, 2026
Understanding SBA 7(a) Loan Payment Deferments
The recent interest rate increase has triggered concern among some SBA lenders regarding the impact that future additional interest rate increases could have on borrowers’ ability to continue making their SBA 7(a) loan payments for loans with interest rates based on the
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Insights
October 8, 2026
Best Practices for Title Insurance Endorsements
When it comes to protecting a lender’s lien against commercial real estate collateral, the recording of the Mortgage or Deed of Trust is just one step in the process. A standard baseline
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SBA Lending | SOP 50 10 8
September 17, 2026
Prime Rate Increase
The Prime Rate increased from 6.75% to 7.00% effective September 17, 2026. As a result, it is important for U.S. Small Business Administration (“SBA”) lenders to understand and utilize the appropriate Prime
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SBA Lending | SOP 50 10 8.1
September 14, 2026
Understanding Quality of Earnings Requirements Under SOP 50 10 8.1
As we prepare for SOP 50 10 8.1 to go into effect on October 1, it is important for lenders to understand what a Quality of Earnings report is, and when it
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SBA Lending | SOP 50 10 8.1
September 3, 2026
SBA 7(a) and 504 Fees Notice for Fiscal Year 2027
Earlier today, the SBA released 7(a) and 504 Fees for Fiscal Year 2027. SBA Information Notice 5000-881796, 7(a) Fees Effective October 1, 2026 for Fiscal Year 2027 and 90-Day Rule Clarification effective
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Insights
September 3, 2026
Continuing Resolution and Upcoming SBA Office Hours
On September 2, 2026, the President signed the Continuing Resolution to fund the government through December 11, 2026. If your lending institution has questions about the Continuing Resolution, or any other SBA
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SBA Lending | SOP 50 10 8.1
September 3, 2026
Understanding SOP 50 10 8.1 Equity Injections
When it comes to the SBA’s credit standards for SBA 7(a) loans, lenders (for PLP loans) or SBA (for non-delegated loans) must determine that there is sufficient invested equity. SOP 50 10
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SBA Lending | SOP 50 57 4
August 11, 2026
Understanding How a Borrower’s Name Change Can Affect Your UCC Lien
It is not uncommon for a borrower to change its name during the life of an SBA loan. While a simple name change may seem harmless in terms of lender risk, it
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SBA Lending | SOP 50 57 4
August 4, 2026
Understanding SBA Offers in Compromise for Going Concern Businesses
Last week we examined the SBA SOP 50 57 4 Offer in Compromise (OIC) process for closed businesses, the most common scenario in which an OIC arises, once a business has ceased
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SBA Lending | SOP 50 57 4
July 27, 2026
Understanding SBA Offers in Compromise for Closed Businesses
SBA SOP 50 57 4 (click here to view SOP 50 57 4) reinforces that an Offer in Compromise (OIC) is a recovery tool of last resort and should be used only
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SBA Lending | SOP 50 10 8
July 20, 2026
Understanding Stock Options, Convertible Securities and Agreements to Merge
On April 10, 2023, SBA published the Final Rule on Affiliation and Lending Criteria for the SBA Business Loan Programs (88 FR 21074, effective May 11, 2023) (click here to access the
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SBA Lending | SOP 50 57 4
July 6, 2026
Post-Closing Change of Ownership
It is not uncommon for borrowing entities to undergo a change of ownership following the closing and disbursement of an SBA loan. Whether such a post-closing change of ownership occurs relatively soon
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SBA Lending | SOP 50 10 8
June 29, 2026
SBA Franchise Directory Update
In anticipation of the issuance of SOP 50 10 8 (which became effective June 1, 2025), the SBA issued SBA Information Notice 5000-866746 which was effective April 21, 2025 (click here to
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