Guides on bank statement analysis, cash flow underwriting, SBA rules and credit risk for commercial lenders.
How lenders spot a fake pay stub: recompute the deductions, test year-to-date totals against the calendar, and match net pay to bank statement deposits.
Read articleHow lenders calculate borrowing base ineligibles: past due, cross-aging, concentration caps, contras and dilution, with a worked receivable example.
Read articleBanks may outsource credit risk review to a third party, but the board stays responsible. How to choose in-house, outsourced or co-sourced loan review.
Read articleSBA requires a post-default site visit within 60 days of an uncured payment default and 15 days of a non-payment default, under SOP 50 57 4. The full rules.
Read articleThe SBA sunset the FICO SBSS score for 7(a) Small Loans on March 1, 2026. The new underwriting requirements lenders must document, plus the 1.10x DSCR floor.
Read articleThe SBA guaranty purchase process for 7(a) lenders: the 60-day default trigger, the 120-day interest rule, and what causes a guaranty repair or denial.
Read articleWhat an ABL field exam tests on receivables, inventory, cash and taxes, how often exams happen, what they cost, and how to prepare your borrower.
Read articleThe 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.
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