Avoid the Top Ten Equity Injection Mistakes That Put Your SBA Guaranty at Risk — 10/22
Practical training with former SBA Deputy Director Lance Sexton on how seasoned loan closers document equity injections to achieve 100% audit compliance under SOP 5010 8.
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A Coleman Training Webinar
Date: Wednesday, October 22, 2025
Time: 2:00 p.m. Eastern
Includes e-certification & recording
Equity injection documentation continues to be one of the most heavily scrutinized areas in SBA lending. Examiners, reviewers, and auditors consistently flag the same issues, and lenders who fail to meet the SBA’s exact requirements risk repairs or denials of their guaranty. With the release of SOP 5010 8, SBA has both clarified and tightened expectations, making proper training more important than ever.
In this authoritative Coleman webinar, former SBA Little Rock Servicing Center Deputy Director Lance Sexton provides an industry-level presentation on equity injection compliance. Drawing on years of SBA oversight and loan review experience, Lance explains exactly what reviewers look for, where lenders often go wrong, and how to document equity injection so your files pass SBA and third-party audits without exception.
This training incorporates real SBA review findings and lender audit feedback from across the industry. Participants will walk away with practical, step-by-step guidance that reflects the standards seasoned SBA loan closers use every day. The result: stronger files, fewer compliance issues, and the confidence that your SBA guaranty is fully protected.
SOP 5010 8 Equity Injection Documentation Requirements to be Mastered this Webinar:
- Know the Top Ten Mistakes in Documenting Equity Injections
- A minimum 10% equity injection is now required for all startup businesses (defined as in operation less than one year) and complete changes of ownership
- Clarified use of seller-financed debt as eligible equity
- Verification of equity injection must be done prior to disbursement, except for SBA Express loans
- Revised definitions of what counts as valid equity injection
Here are some of the specific topics addressed in this webinar that will make your staff experts in documenting equity injection:
- Know the Top Ten Documentation Errors
- Bank statements for 30, 60 or 90 days?
- Fixing errors post-closing
- Equity injection requirements under the new SOP 5010 8
- Equity injection rules for SBA 7(a) and SBA 504 loans
- Equity injection fraud red flags to watch out for
- A thorough understanding of the traps associated with gifts and gift letters
- How to set borrower equity injection requirements for loans under and over $350,000
- How to document equity injection for SBAExpress loans
- The proper and improper sources of equity injections
- The absolute SBA required documentation of equity injection to protect the guaranty
- What SBA requires you to do to verify a cash injection
- How to document intangible and non-cash assets
- And, of course, the most common equity injection mistake lenders make that jeopardize the SBA loan guaranty
Your Training Staff
Lance Sexton
As a former small business owner, Lance Sexton has a successful history of working with small business owners and students related to entrepreneurship and SBA loan origination, servicing, and liquidation.
He has earned three industry training instruction awards for “Best Online Learning Product”.
Lance is a former SBA Deputy Director of Little Rock Servicing Center, and has over 40 years of experience, including 20 years directly managing portfolios of SBA loans. Lance is an adjunct faculty member of University of the Ozarks. He is an Executive Vice President, Managing Director of Servicing and Liquidation at Phoenix Lender Services and has been affiliated with Coleman Publishing for over 11 years.
Bob Coleman
Bob Coleman is the founder of Coleman Publishing, a publisher of newsletters, reports, data, conferences, webinars, online training videos — to help finance professionals become small business lending experts. Bob is the nationally recognized expert on small business financing. He has appeared frequently on Fox Business News, NPR and other numerous media outlets. He is sourced by all print media. He is a frequent speaker about small business lending throughout the US and EU. Bob has a BA in Medieval History from the University of California Santa Barbara and a MBA in Real Estate Finance from the University of Southern California. Bob has earned numerous awards as a producer of events and video training. His passion is getting capital to Main Street and Rural American small business.
How the Webinar Works
We use Microsoft Teams as the webinar platform. All Coleman webinars are recorded and a link is sent to all attendees.
Single Site License
The single site license grants your institution one viewing of the webinar. It is permissible to use a single site license on one device in a conference room to be viewed by multiple attendees The webinar can be viewed on any device.
Multiple Site License
A multiple site license is an unlimited access pass for anyone at your institution. You will be given a link that will be usable to anyone with your email domain.
Webinar Links and Handouts
The webinar link will be included when we distribute the presentation and handouts shortly before the webinar.
Participants Earn Certificates of Participation
All Coleman Webinar attendees will receive a certificate of participation. This documents your continuing education history for SBA and your regulators.
Questions
Questions throughout the webinar are strongly encouraged. There are two ways to ask a question. The first is to ask the question via the chat in Microsoft Teams. The second is to send an email to anna@colemanreport.com. Also, feel free to ask pre and post-webinar questions.
The Fine Print
1) Substitutions are allowed at no charge.
2) Cancellations receive a 100% credit for any Coleman product.
3) As with all our products, we offer a 100% money back satisfaction guarantee — no questions asked.
3 Easy Ways to Order
1) ONLINE — Register and pay online via QuickBooks $500 or QuickBooks $800
2) EMAIL –Send an email to cindy@colemanreport.com with “Webinar Registration” in the Subject Line. We will do all the paperwork and either send you a sales receipt or an invoice.
3) PHONE — Call us at 818-790-4591.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com