SBA Debt Refinancing Under SOP 50 10 8.1 — Thurs, Sept 24

New PLP Authority, Same-Institution Debt and Merchant Cash Advance Rules Effective October 1

A Coleman Professional Training Webinar
Date: Thursday, September 24, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording

Pay Online — $500 Single Email
User License

Pay Online —
$800 Unlimited Site License

SOP 50 10 8.1 changes the rules for refinancing existing business debt with SBA 7(a) proceeds. The new requirements are consolidated in Appendix 14 and affect delegated authority, qualifying debt, payment history and transaction structure.

One of the most significant changes involves Same Institution Debt. Effective October 1, qualifying SID may be processed under PLP authority. The new SOP also provides a path for refinancing certain debt that originated as a merchant cash advance and increases the seasoning period for seller-financed acquisition debt.

These changes create new underwriting and documentation questions for lenders evaluating refinance requests. Michael Bland will lead a working review of the new rules, focusing on how lenders determine eligibility, structure the transaction, document the credit decision and determine when delegated authority may be used.

What Michael Bland Will Cover

Business debt eligible for refinancing under Appendix 14.
Same Institution Debt that may now be processed under PLP authority.
How lenders document that refinancing SID does not reduce their credit exposure or shift a potential loss to SBA.
Payment-history requirements, including the 36-month transcript and treatment of late payments.
The new refinancing path for merchant cash advance debt converted to qualifying term financing.
Why active merchant cash advances and factoring agreements remain ineligible.
The continuing 10% improvement in installment payment requirement and applicable exceptions.
Refinancing existing SBA 7(a) debt, including circumstances in which a lender may refinance its own SBA-guaranteed debt.
Refinancing another lender’s 7(a) loan and refinancing existing 504 debt with 7(a) proceeds.
Seller-financed acquisition debt and the new 36-month seasoning requirement.

This webinar is designed for SBA lenders, credit officers, underwriters, loan approvers and program managers responsible for determining whether existing debt qualifies for SBA refinancing and documenting the credit decision.

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 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.