New SOP 50 10 8.1 Takes Effect October 1: A Comprehensive Review — Thurs, Aug 27

Coleman Professional Webinar Training
Date: Thursday, August 27 and/or
Tuesday, September 22, 2026
Time: 2:00 p.m. Eastern
Recording and e-certification provided

SBA issued SOP 50 10 8.1 on August 14. For loans receiving an SBA loan number on or after October 1, lenders will operate under a substantially reorganized framework.

Experienced SBA lenders already have established processes for underwriting, documenting, approving, and closing loans. The challenge with a new SOP is determining precisely where those existing processes need to change.

That is the focus of this August 27 webinar.

Lance Sexton will conduct a lender-focused working review of SOP 50 10 8.1, examining the changes from the standpoint of the bankers, underwriters, processors, and closers who must apply the new requirements to actual SBA transactions.

One of the most significant changes involves change-of-ownership transactions. SBA now separates these loans into four categories: Initial Acquisition, Business Expansion, Owner Buyout, and ESOP/Co-Op. Each has its own credit considerations, consolidated in the new Appendix 15.

The SOP also introduces a Quality of Earnings requirement for certain acquisition transactions, affecting both the underwriting process and the documentation lenders must obtain before completing their analysis.

SBA has reorganized other major requirements as well. Seven new appendices now address areas that lenders routinely work with, including debt refinancing, change of ownership, guaranty amounts, loan maturity, interest rates, collateral, and submission of the application for guaranty.

The webinar will also examine lenders’ new ability to refinance their own debt using delegated authority, revised guaranty requirements involving Trust-owned borrowers, SBA Express amortization and reissuance provisions, and changes affecting secondary market transactions.

The discussion will cover:

• The October 1 implementation date and its application to loans currently moving through the pipeline
• The seven new appendices and how SBA has reorganized key requirements
• The four new change-of-ownership categories and their underwriting structure, plus the new Quality of Earnings requirement. 
• Debt refinancing changes, including a lender’s ability to refinance its own debt under delegated authority
• SBA Express amortization and reissuance changes
• Secondary market changes involving SOFR and Treasury-based loans
• New 504 Loan Guidelines
• All other practical considerations for updating underwriting, processing, documentation, and closing procedures before October 1

This session is designed for credit officers, SBA executives, underwriters, processors, closers, portfolio managers, compliance professionals, and other experienced 7(a) lending professionals who need to understand not simply what changed, but how the revised SOP fits into how SBA loans are structured and executed.

Your unlimited access registration fee covers attendance for either or both sessions. That gives your team the flexibility to attend the session most relevant to their responsibilities or participate in both for a broader working understanding of how SOP 50 10 8.1 will affect credit, processing, documentation, closing, and secondary market execution.

How the Webinar Works

We use Microsoft Teams as the Webinar Platorm

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 818-790-4591.

Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com