SBA Lending
New SBA Rules Oct. 1, 2026: SOP 50 10 8.1 Explained
SBA SOP 50 10 8.1 starts October 1, 2026. The new SBA rules for buyers: 1.25x coverage on real earnings, a firm 10% for new owners, a 90-day Form 413, new fees.
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 Disaster Loan Forgiveness: What Actually Exists
SBA disaster loans are not forgiven. The relief SBA does offer, what a charge-off means for your balance, and what happens once Treasury has the debt.
SBA Lending
SBA Loan Prepayment Penalty: What It Costs in 2026
A 7(a) loan prepayment penalty applies only above a 15-year maturity, and a 504 carries a separate debenture premium. What each one actually costs.
SBA Lending
What Happens If You Default on an SBA Loan
What happens if you default on an SBA loan: the lender accelerates, SBA honors its guaranty to the bank, and the unpaid balance follows you to Treasury.
SBA Lending
Seller Financing for a Business: How SBA Rules Work
Seller financing for a business can cover half your SBA equity injection, but only if the note sits on full standby for the life of the loan.
SBA Lending
IRS Form 4506-C: Why Your Lender Wants You to Sign It
IRS Form 4506-C lets your lender pull your tax transcripts through IVES. What it authorizes, what the lender sees, and the 120-day clock that kills deals.
SBA Lending
SBA Form 159: The Fee Disclosure Nobody Explains
SBA Form 159 discloses what your broker or packager is paid on a 7(a) or 504 loan. Who counts as an agent, who signs, and which fees the SBA prohibits.
SBA Lending
How to Fill Out SBA Form 1919: A Field-by-Field Guide
SBA Form 1919 is the borrower information form every 7(a) applicant signs. What each field and question asks, and the 2026 eligibility changes to know.
SBA Lending
10 Types of SBA Loans (and Which Need Form 413)
The 10 types of SBA loans in 2026: 7(a), 504, Express, WCP, CAPLines, MARC, export, microloan, and disaster, with amounts, terms, and Form 413 rules.
SBA Lending
9 Benefits of an SBA Loan (and 4 Real Drawbacks)
The benefits of an SBA loan include 10% down payments, 25-year terms, and capped rates. Weigh them against the fees and personal guarantee before you apply.
SBA Lending
SBA 504 Loan for Commercial Real Estate: The Structure
How an SBA 504 loan finances owner-occupied commercial real estate: the 50-40-10 stack, the fixed-rate CDC debenture, 25-year terms, and why it beats a 7(a).
SBA Lending
SBA 504 Loan Requirements in 2026: A Borrower's Checklist
SBA 504 loan requirements for 2026: the 50-40-10 structure, the 51% occupancy rule, the job-creation test that changed, and the Form 413 every owner files.
SBA Lending
What Is an SBA Loan? Programs, Rates, and Documents
An SBA loan is a small-business loan the government partly guarantees. Covers the 7(a), 504, and microloan programs, 2026 rates, and the documents you prepare.
SBA Lending
Can You Get an SBA Loan for a Rental Property?
SBA 7(a) and 504 loans can't finance a passive rental property; the owner-occupancy rule blocks it. What qualifies instead, and the DSCR alternative.
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 business purchases, the 504 50/40/10 split, and which funds count.
SBA Lending
SBA 7(a) Loan Requirements in 2026: A Borrower's Checklist
SBA 7(a) loan requirements for 2026: eligibility, equity, credit, citizenship, the October 1 SOP 50 10 8.1 changes, and the Form 413 every owner files.
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.
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. How to calculate it, value each line, and what lenders do with it.
SBA Lending
Personal Financial Statement Signature Requirements
Personal financial statement signature requirements for SBA Form 413: who signs, when a spouse signs, the 90-day dating rule, and e-sign vs. wet ink.
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.
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.
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.
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. What counts on each of the four lines.
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. How to fill out each section, line by line.
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.
Browse other topics
Commercial Real EstateDSCR loans, multifamily acquisitions, REPE reporting, and personal financial statements for real estate investors and operators.Personal FinanceNet worth tracking, financial organization, and personal financial statements for everyday life events — homebuying, divorce, estate planning, and more.Business LendingConventional, SBA, alternative, and bridge financing for small and mid-market businesses. What lenders look for and how to prepare.
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