SBA & USDA Lending Solutions
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Resources
Windsor Advantage covers SBA and USDA market topics in several types of news – from our SBA and USDA blog to webinars and white papers.
Updated SBA Equity Injection Rules: What You Need to Know About SOP 50 10 8
The landscape of SBA lending is always evolving, and with the effective date of SOP 50 10 8 on June 1, 2025, one crucial aspect making a significant return to traditional principles is equity injection. For lenders and borrowers alike, mastering these renewed requirements is paramount to successful SBA loan applications.
SBA Lending Post-SOP 50 10 8: Understanding the Revitalized “Credit Elsewhere” Rule
The SBA is revitalizing the “Credit Elsewhere” rule in SOP 50 10 8. Lenders must now perform a more rigorous and documented assessment of a borrower’s ability to obtain conventional credit.
MCA Debt & SBA Loans: Understanding Your Options Under SOP 50 10 8
The SBA has clarified its stance on Merchant Cash Advances in the new SOP 50 10 8. SBA 7(a) loan proceeds cannot be used to refinance this type of high-cost debt.
SBA’s SOP 50 10 8: What the SBSS 165 Increase Means for Small Loan Underwriting
The SBA’s SOP 50 10 8 raises the minimum SBSS score to 165 for 7(a) Small Loans. Learn the new underwriting requirements for loans up to $350,000.
Citizenship Requirements in SOP 50 10 8: What Lenders Need to Know
A lender’s guide to the new SBA citizenship rules in SOP 50 10 8. Understand the strict requirements for owners, guarantors, and Lawful Permanent Resident (LPR) verification.
Navigating New Seller Guaranty Rules in Partial Ownership Changes: A Lender’s Guide to SOP 50 10 8
A lender’s guide to the new seller guaranty rules in SOP 50 10 8. Understand the requirements for partial ownership changes and structure compliant SBA loans.
SBA Lending Post-SOP 50 10 8: Critical Changes Impacting ETA Transactions
Get a complete breakdown of the new SBA SOP 50 10 8 rules impacting Entrepreneurship Through Acquisition (ETA) transactions. Learn how the changes affect partial ownership, search funds, and equity injections to ensure compliant SBA acquisition lending.
SOP 50 10 8 Changes to PLP vs. GP Loan Processing Tracks
The Small Business Administration (SBA) landscape is dynamic, and staying ahead of regulatory updates is crucial for lenders. A significant update, SOP 50 10 8, effective June 1st, 2025, brings important modifications to how Preferred Lenders Program (PLP) lenders process 7(a) loans. Understanding these changes, alongside the fundamental differences between
SBA’s New Direction: Understanding SOP 50 10 8 Changes
Understanding the Fundamental Shift in SBA Lending The SBA’s issuance of SOP 50 10 8, effective June 1, 2025, represents more than routine regulatory updates—it signals a deliberate recalibration of the 7(a) loan program. At Windsor, we’ve analyzed these changes in context of historical SBA policy patterns and market conditions