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SBA 504 Loan Underwriting Explained
How SBA 504 loan underwriting works in 2026: the 50/40/10 structure, the $5 million debenture cap, owner occupancy and the job-creation rules.
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How SBA 504 loan underwriting works in 2026: the 50/40/10 structure, the $5 million debenture cap, owner occupancy and the job-creation rules.
Read articleHow lenders underwrite an SBA 7(a) working capital loan under SOP 50 10 8: eligible use of proceeds, the debt service coverage floors, and the 10-year term.
Read articleHow SBA Express loan underwriting works: the $500,000 cap, 50% guaranty, delegated authority, and the cash-flow and credit tests lenders still run.
Read articleWhy SBA loans get denied in underwriting, the most common reasons from DSCR to weak equity injection, and the steps to fix the file and reapply.
Read articleSBA 7(a) underwriting guidelines under SOP 50 10 8: the 1.15x and 1.10x DSCR floors, credit, equity injection, and the cash-flow analysis required.
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Read articleSBA 7(a) equity injection requirements under SOP 50 10 8: 10% of total project costs, the seller note rules, and how lenders verify the funds.
Read articleInvoice factoring approves on your customers' credit and funds in a day or two. A bank line of credit is cheaper but harder to qualify for. Compared.
Read articleGross deposits overstate revenue because transfers, owner injections and loan proceeds all land as credits. How underwriters net them out and catch it.
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