SBA Lending
SBA Loan Down Payment Requirements: 7(a) and 504 in 2026
SBA loan down payment rules in 2026: the 10% equity injection on 7(a) startups and buyouts, the 504 50/40/10 split, and which funds actually count.
July 7, 202616 min read
Insights & Resources
SBA Lending
Guides, updates, and best practices for SBA 7(a), 504, and Form 413 personal financial statements. Built for borrowers, brokers, and SBA-preferred lenders.
SBA Lending
SBA 7(a) Loan Requirements in 2026: A Borrower's Checklist
SBA 7(a) loan requirements changed in 2026: SOP 50 10 8 eligibility, equity injection, credit, collateral, citizenship, and the Form 413 every owner files.
July 2, 202618 min read
SBA Lending
SBA 7(a) vs. 504 Loan: How to Choose in 2026
SBA 7(a) vs. 504 loan, compared for 2026: structure, rates, down payment, fees, and eligible uses, plus which program fits owner-occupied real estate.
July 1, 202616 min read
SBA Lending
How to Calculate Net Worth for an SBA Loan
Net worth for an SBA loan is total assets minus total liabilities on Form 413. Here is how to calculate it, value each line, and what lenders do with it.
June 24, 202615 min read
SBA Lending
Personal Financial Statement Signature Requirements
Personal financial statement signature requirements for SBA Form 413: who signs, when a spouse signs, the 120-day dating rule, and e-sign vs. wet ink.
June 23, 202615 min read
SBA Lending
SBA 504 Personal Guarantee Requirements: Who Has to Sign
SBA 504 personal guarantee requirements explained: who must sign an unlimited guaranty, how the bank and CDC differ, and when a guarantee can be limited.
June 22, 202613 min read
SBA Lending
7 Common SBA Form 413 Mistakes (and How to Fix Them)
The common SBA Form 413 mistakes that get a personal financial statement returned in underwriting, and how to fix each one before you submit.
June 15, 202618 min read
SBA Lending
SBA 7(a) Personal Financial Statement Requirements (2026)
Who must submit a personal financial statement (SBA Form 413) for a 7(a) loan, the 20% guaranty trigger, spousal rules, and what underwriters check.
June 9, 202614 min read
SBA Lending
SBA Form 413 Contingent Liabilities (Not Section 5)
On the current SBA Form 413, contingent liabilities sit beside Section 1, not in Section 5. Here is what counts on each of the four lines.
May 29, 202614 min read
SBA Lending
How to Fill Out SBA Form 413: A Section-by-Section Guide
SBA Form 413 is the personal financial statement every 20%+ owner of an SBA 7(a) or 504 borrower submits. Here is how to fill out each section.
May 26, 202622 min read
SBA Lending
SBA Form 413 Example: A Worked Walkthrough for a $350K 7(a)
A real example of a completed SBA Form 413 for a hypothetical 7(a) applicant, with every line annotated — what underwriters see and why it matters.
May 26, 202622 min read
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