How Should You Price an SBA 7(a) Loan? Average Pricing Benchmarks by Industry, Loan Type, Risk, and Return — Tues, Aug 11

Coleman Professional Webinar Training
Date: Tuesday, August 11, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording

Every SBA lender must answer the same pricing question:

What rate and structure will win the transaction, comply with SBA requirements, compensate the lender for risk, and produce an acceptable return?

The answer is different for every loan.

Participants will receive average pricing benchmarks by industry, loan type, maturity, use of proceeds, and transaction structure. These benchmarks will allow lenders to compare proposed pricing with similar SBA loans. 

Including fixed versus variable rate pricing. 

A 10-year business acquisition loan does not have the same economics as a 25-year commercial real estate loan. Startups, franchise acquisitions, equipment purchases, working capital requests, and business expansions present different risks, operating costs, expected loan lives, and competitive pressures.

Loan size also matters. Smaller SBA loans may require nearly the same origination, closing, servicing, and oversight as larger transactions while producing substantially less interest and fee income.

The webinar also examines the complete value of an SBA loan.

Interest income is only one part of the return. Funding costs, origination expense, servicing income, secondary market premiums, servicing strips, prepayment risk, expected loan life, and the capital required to hold the unguaranteed portion all affect profitability.

Competition adds another variable.

Matching a competitor’s rate may win the borrower, but a loan that meets production goals can still fail profitability expectations. 

Lenders must decide when to compete on rate, when to compete on structure and service, and when the expected return does not justify the transaction.

What You Will Learn

• How SBA interest rate requirements affect pricing decisions

• Average SBA loan pricing benchmarks by industry, loan type, maturity, use of proceeds, and transaction structure

• How to compare proposed pricing with similar SBA transactions

• How to use historical SBA loan data to evaluate risk, performance, and expected return

• How to price business acquisitions, startups, commercial real estate, equipment, and working capital loans

• How fixed and variable rate structures affect competitiveness, risk, and profitability

• How loan size, origination costs, servicing expenses, and expected loan life affect total return

• How secondary market premiums, servicing income, servicing strips, and prepayment risk affect the value of the loan

• How to evaluate a competitor’s pricing without automatically matching it

• When to compete on rate, change the structure, or walk away from the transaction

• How to document pricing exceptions and maintain consistency across the SBA lending platform

Who Should Attend

This working session is designed for SBA executives, credit officers, production managers, business development officers, underwriters, finance professionals, and secondary market professionals responsible for loan pricing and portfolio profitability.

Instructor

Bob Coleman is the founder and publisher of Coleman Report, the SBA lending industry’s daily publication.

For more than three decades, he has reported on SBA lending, lender performance, secondary market activity, loan pricing, and small business credit trends. His analysis of SBA loan level performance data is used by lenders nationwide, and he is frequently cited as an authority on SBA lending by the national financial press.

How the Webinar Works

We use Microsoft Teams as the webinar platform.

Recording
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 for multiple attendees to view. 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 anyone in your email domain can use.

Webinar Links and Handouts
The webinar link will be sent out prior to the session, and included again when we send the presentation and handouts.

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
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 818-974-8934.