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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SBA Lending | SOP 50 10 8
June 22, 2026
SBA Life Insurance Requirements
Pursuant to SOP 50 10 8, SBA lenders must ensure that all appropriate insurance requirements are satisfied including hazard insurance, marine insurance, flood insurance and life insurance. With respect to life insurance,
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Insights
June 15, 2026
Bulk Sales Laws vs. Tax Clearance Laws in Business Sale Transactions
Bulk sales laws and tax clearance laws often show up together in asset sale closings, but they are not the same thing. In business sale transactions, bulk sales laws generally regulate transfers
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SBA Lending | SOP 50 56 1
June 8, 2026
SBA 7(a) Loan Participation Best Practices
In recent weeks, we have issued newsletters regarding the requirements and guidance for the transfer of SBA loan portfolios (click here) and single SBA 7(a) loans (click here). SOP 50 56 1
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SBA Lending | SOP 50 56 1
June 1, 2026
Single SBA 7(a) Loan Transfer Best Practices
As a follow up to our recent newsletter, Loan Portfolio Transfer Requirements in Mergers and Acquisitions, we are providing this newsletter to discuss the requirements for single SBA 7(a) loan transfers as
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Insights
May 19, 2026
Loan Portfolio Transfer Requirements in Mergers and Acquisitions
There have been numerous mergers and acquisitions involving SBA 7(a) Lenders over the past several months. As such, it is helpful for Lenders to familiarize themselves with the SBA 7(a) loan portfolio
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SBA Lending | SOP 50 10 8 | SOP 50 56 1
April 20, 2026
Utilizing Pari Passu Liens in SBA Lending
It is very common for a borrower’s financing needs to exceed the amounts, or uses of proceeds, allowed by the SBA. In such circumstances, a lender may choose to provide multiple loans
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SBA Lending | SOP 50 10 8
March 25, 2026
Guarantor Citizenship Requirements
The SBA revised citizenship requirements became effective on March 1, 2026. (Click here to access the SBA Procedural Notice). While the citizenship status of direct and indirect owners affects the Applicant’s eligibility,
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SBA Lending | SOP 50 57 4
March 16, 2026
Post-Default Site Visits
In our newsletter on March 9, 2026, we discussed the site visit requirements for SBA loan closings (Click here to read on our website). As a follow up, this newsletter outlines the
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SBA Lending | SOP 50 10 8
March 9, 2026
Site Visits for Loan Originations
Site visits are a critical component of the SBA loan origination process because they provide lenders with firsthand insight into the borrower’s business operations, property condition, and collateral. By conducting a site
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SBA Lending | SOP 50 10 8
February 6, 2026
SBA Requirements for Electronic Signatures
The SBA’s Office of Credit Risk Management (“OCRM”) has indicated that it is developing a Self-Assessment tool to assist lenders in ensuring compliance with SBA’s electronic signature requirements under SOP 50 10
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SBA Lending | SOP 50 10 7.1
December 9, 2025
SBA Environmental Guidance Prior to Foreclosures and Liquidations
Last week, we shared a newsletter on environmental due diligence guidance for SBA loan originations (click here to read). To continue on this topic, in this newsletter we are providing environmental guidance
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SBA Lending | SOP 50 10 7.1 | SOP 50 56 1
December 1, 2025
SBA Environmental Best Practices
Ensuring compliance with the SBA’s environmental rules is often one of the more complex (and confusing) SBA loan origination due diligence requirements. Earlier this year, the SBA issued Procedural Notice 5000-866054 Update
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