OUR BLOG

Collateral Oversight and the Cost of Missed Recoveries When a Borrower’s loan is in trouble, collateral is a whole lot more than a checkbox on your to-do list. It’s a foundational element in SBA’s expectation that you, as a Lender, will take appropriate action to maximize recovery and minimize loss. If you’re not careful to safeguard collateral and manage liquidation, you risk losing out on expected financial recovery. And when SBA reviews your servicing practices and decides

SBA is clear: if you don’t document equity injection according to their requirements, you risk repair and potentially even denial of your SBA guaranty.   For Lenders, the key to staying in compliance often comes down to having strong processes, practical guidance and the right support in place.  That’s where lender consulting services and structured SBA lender training can make all the difference.

Disbursing funds for an SBA 7(a) loan isn’t just about getting the money to the Borrower. It’s about doing it right, so you stay well within SBA compliance rules. SBA’s SOP 50 10 8, effective June 1st, 2025, includes specific guidance on disbursement rules and required documentation. Here’s what you need to know, so you’ll stay compliant every step of the way.

We all know the rules around ownership changes can get a little tricky, especially when navigating SBA guidelines for lenders. But here’s the good news: the SBA made some helpful updates in SOP 50 10 8. Whether you're financing a full buyout or just shifting ownership between partners, these changes are worth knowing. Let’s break down what’s new.

Too often, loan changes occur—whether minor borrower updates or significant structural modifications—without being fully reflected in E-Tran. That oversight can result in servicing issues, audit flags, or worse: denial of the SBA guarantee. Here’s why every lender should treat E-Tran updates as an important part of their SBA loan servicing workflow.

The Office of Credit Risk Management (OCRM) picked your SBA portfolio to conduct an audit. It could be due to anything from a random...

We often see Lenders forget to take advantage of the support a Lender Service Provider (LSP) can offer. So, when should you lean on an...

Sometimes, a client’s annual SBA loan review uncovers a pattern. That’s when we recommend one of our SBA lender training classes . This...

Have you been staying on top of all the recent changes from SBA? New forms, new SOPs, a veritable snowstorm of notices and white papers –...

SBA released a lot of new forms at the end of 2023. One of them was the much-anticipated streamlined Form 1919, bringing it into...

It’s been a lot these last few months. Three new SOPs from SBA ( 50 10 7 , 50 57 3 , and the updates in 50 10 7.1 ). Inflation...

Whether you’re thinking about starting or expanding your SBA Lending department, or simply updating it based on new SOPs, a key factor is...

There’s no shortage of things causing stress in life, at work – and as an SBA Lender. Yikes. Let’s just look at recent concerns about...

No one wants to see that Screen Out message in their email in-box. But we like to look at what’s normally considered a negative and find...

Yes, it’s December. We’re having a hard time believing that too – the year has whizzed by – but December it is, and that means it’s...

The number of new business startups in the last few years simply exploded previous records. And that means more business owners than...

We’ve been receiving a lot of requests for training – and we love that our clients rely on us to help them make sure their SBA teams are...

Anyone who knows us here at LRM knows we love SBA lending. We love helping our clients meet the needs of the small businesses that fuel...

How cross training your SBA Team can improve your Program Your SBA Program is only as successful as the sum of its parts. And a key...

5 STEPS TO ACHIEVE SUCCESS WITH YOUR 2021 SBA LENDING PROGRAM As 2020 has wound down, many lenders are still reeling from the unprecedented