SBA 7(a) Debt Refinancing Rules — Wed, July 1
How Experienced SBA Lenders Structure, Document, and Execute Refinance Transactions Under the Current SOP
A Coleman Professional Training Webinar
Date: Wednesday, July 1, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
.
Debt refinancing remains one of the most structured areas of SBA 7(a) lending.
The current SOP introduced changes last year that affect how lenders evaluate business benefit, structure same institution debt transactions, document refinance eligibility, and analyze existing government-guaranteed obligations. At the same time, lenders continue to see increasing borrower demand to consolidate higher-cost debt, refinance short-term obligations, and restructure existing credit facilities.
Most institutions already have established refinance processes. The question today is how those processes align with current SBA expectations and how experienced lenders are handling refinance transactions in practice.
This Coleman webinar is designed as a working discussion of SBA 7(a) debt refinancing under the current SOP. The session focuses on transaction structure, documentation standards, credit presentation, and practical execution across real-world refinance scenarios.
Michael Bland will walk through how lenders are approaching refinance analysis, what documentation is being maintained in credit files, and where refinance transactions continue to create eligibility and guaranty risk exposure.
What You Will Learn
- How the current SOP defines and evaluates business benefit in refinance transactions
- When same institution debt may be refinanced under SBA 7(a)
- How lenders can refinance SBA and government-guaranteed debt
- The problem with EIDL loans
- Documentation approaches used to support refinance eligibility
- How merchant cash advances and fintech debt are analyzed in practice
- Ownership alignment and affiliate considerations in refinance structures
- Credit memorandum approaches for refinance transactions
- Areas where refinance transactions continue to create repair exposure
- Structuring considerations for multi-debt consolidations
- Real-world refinance examples and transaction analysis
Presenter
Michael Bland is a nationally recognized SBA lending professional with extensive experience in SBA credit structure, underwriting, loan policy, and operational execution. He has worked directly with SBA lenders on complex 7(a) transactions involving refinance eligibility, credit analysis, documentation standards, and SOP interpretation. His sessions focus on how experienced institutions structure and execute SBA transactions in practice.
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.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com