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Educational fundamentals for SBA lending, due diligence, and buyer education
Learn what SBA 7(a) lenders prioritize when evaluating acquisition loans. DSCR thresholds, red flags, add-backs, and a practical rule for deal sizing.
SBA Procedural Notice 5000-876777 eliminates the SBSS credit score for 7(a) Small loans under $350,000. Most SBA acquisition buyers won't see changes to their underwriting process as they are above that threshold.
Your tactical guide to starting your business search with the essential legal and operational foundations for ETA success.
Compare traditional search funds vs. self-funded search in business acquisition. Learn why self-funded search offers the most direct route to entrepreneurial ownership.
The SBA added SOFR and Treasury rates as new base rate options for 7(a) loans effective March 2026. What this means for your acquisition financing.
SBA Procedural Notice 5000-872050 amends SOP 50 10 8 to allow businesses with up to 5% ownership by non-resident U.S. Citizens, U.S. Nationals, or Lawful Permanent Residents to qualify for 7(a) and 504 loans.
SBA Procedural Notice 5000-872764 updates Standard Operating Procedure 50 10 8 with technical clarifications for both 7(a) and 504 loan programs, including changes to collateral policies, ESOP valuation requirements, and MARC loan processing rules.
SBA Procedural Notice 5000-875701 announces the discontinuation of the FICO Small Business Scoring Service (SBSS) Score requirement for 7(a) Small Loans, requiring lenders to use commercial credit analysis processes instead.
SBA Policy Notice 5000-876441 significantly tightens citizenship requirements for 7(a) and 504 loans, eliminating eligibility for Legal Permanent Residents (green card holders) and removing the 5% foreign ownership exception.
Procedural Notice 5000-869245 updates environmental review procedures and makes the ALP Express authorization permanent under SOP 50 56, affecting CDC/504 loan processing.
Procedural Notice 5000-870023 implements streamlined eligibility reviews via Treasury's Do Not Pay portal and details portfolio risk management procedures for the Surety Bond Guarantee Program.
Procedural Notice 5000-868064 updates veteran verification requirements in the Surety Bond Guarantee Program and claims procedures for the Preferred Surety Bond Program.