Guides on bank statement analysis, cash flow underwriting, SBA rules and credit risk for commercial lenders.
How 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 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.
Read articleHow construction loans are underwritten: loan-to-cost caps of 65 to 75%, contingency and interest reserve sizing, and the draw and inspection process.
Read articleHow factors underwrite staffing agencies: client credit over agency credit, 80 to 95% advances, payroll tax checks and timesheet verification.
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.
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