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 6
June 30, 2023
Best Practices for Partial Changes of Ownership
The SBA’s Final Rule on Affiliation and Lending Criteria for the SBA Business Loan Programs (88 FR 21074, click here to read) became effective on May 11, 2023. Implementation of the Final
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SBA Lending | SOP 50 10 6
June 6, 2023
Best Practices for Reviewing Franchise (and related) Agreements
The SBA’s Final Rule on Affiliation and Lending Criteria for the SBA Business Loan Programs (88 FR 21074, click here to read) became effective on May 11, 2023. Implementation of the Final
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Insights
May 10, 2023
Importance of Monitoring Post-Filing Name Changes for SBA Loans
While lenders focus on the importance of ensuring that UCC Financing Statements are filed and security interests are properly perfected, it is important to remain mindful of the possibility that borrowers may
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SBA Lending | SOP 50 57 2
May 3, 2023
Best Practices for Timely Submission of Litigation Plans
Once a loan is classified into liquidation status, a lender will likely incur expenses relative to liquidation and collection. In many instances, lenders will retain legal counsel to assist the lender with
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SBA Lending | SOP 50 10 6
March 28, 2023
Best Practices for Completing SBA Form 1919 with Applicant Business Layered Ownership
A common issue that we find when conducting U.S. Small Business Administration (“SBA”) loan reviews is the proper completion and execution of SBA Form 1919 (Click here to download a copy of
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SBA Lending | SOP 50 10 6
March 13, 2023
Managing SBA 7(a) Loan Prepayments
While SBA borrowers are allowed to prepay their SBA 7(a) loans (in whole or in part), it is important for lenders to understand the prepayment scenarios that require specific procedures. SOP 50
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SBA Lending | SOP 50 10 6
February 21, 2023
Non-Compete Agreements
When it comes to providing an SBA 7(a) loan to finance a “change of ownership”, SOP 50 10 6 states (in multiple sections), that the “purchase price of the business” includes all
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SBA Lending | SOP 50 10 6
February 21, 2023
What SBA Lenders Should Know about Non-Compete Agreements
When it comes to providing an SBA 7(a) loan to finance a “change of ownership”, SOP 50 10 6 states (in multiple sections), that the “purchase price of the business” includes all
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SBA Lending | SOP 50 57 2
February 2, 2023
Best Practices in Conducting Thorough Post-Default Site Visits
Once a Small Business Administration (“SBA”) 7(a) loan is in default, lenders should conduct a thorough inspection of the borrower’s business premise. The reason is twofold. First, it provides lenders with the
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Insights
January 4, 2023
Avoiding Lender Liability in Commercial Loan Originations
When working with a prospective borrower, lenders should take the steps necessary to avoid the potential of future lender liability claims in the event that the relationship between the borrower and lender
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SBA Lending | SOP 50 10 6 | SOP 50 57 2
June 28, 2022
Credit Reporting for SBA Loans
According to the U.S. Small Business Administration (“SBA”) Standard Operating Procedure 50 10 6, Standard Operating Procedure 50 57 2, and in accordance with the Debt Collection Improvement Act of 1996, lenders
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SBA Lending | SOP 50 10 6
April 27, 2022
Best Practices Guide for Completing SBA Form 1050
The U.S. Small Business Administration (“SBA”) requires that lenders disburse SBA loan proceeds in a prudent manner and in accordance with the Loan Authorization to avoid a potential denial of liability under
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