Guides on bank statement analysis, cash flow underwriting, SBA rules and credit risk for commercial lenders.
The SBA 7(a) loan closing checklist for lenders: required documents, the loan authorization, collateral perfection, tax transcripts and insurance.
Read articleSBA loan limits in 2026: Policy Notice 5000-879058 decoupled the programs July 4, 2026, so a borrower can reach roughly $10 million across both.
Read articleThe issues that sink most SBA 7(a) loans in underwriting: weak coverage, the SBSS 155-to-165 change, thin equity injection, collateral gaps, and eligibility.
Read articleHow SBA PLP delegated authority works: approving 7(a) loans without SBA credit review, how E-Tran works after the SBSS sunset, and the 1.1x DSCR rule.
Read articleSBA 7(a) collateral requirements in 2026: the $50,000 and $350,000 thresholds, what fully secured means, and when the SBA takes a lien on a home.
Read articleWhen the SBA requires an independent business valuation on a 7(a) change of ownership: the $250,000 intangible threshold, who can perform it, and the loan cap.
Read articleHow 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.
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