SBA and USDA Blog

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.

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.

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.

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.

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 PLP and General Program (GP)

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 to provide a deeper understanding