Mastering SBA 7(a) Delinquency: Insider Tips for Servicing Loans Past 31 Days — Webinar 5/7

A Coleman Webinar
Date: Wednesday, May 7, 2025
Time: 2:00 p.m. Eastern
Includes e-certification & recording

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One of the reasons SBA raised 7(a) guaranty fees last month is that the agency is seeing a spike in delinquencies and charge-offs, which lead to guaranty purchases — and greater cash outflows from the US Treasury.

Faced with a deterioration in your SBA 7(a) loan portfolio, now is the time to be proactive and ensure you are taking the prudent lending steps demanded by SBA in servicing delinquent loans.

Coleman’s award-winning SBA Servicing and Liquidation expert webinar instructor, Lance Sexton, will lead a discussion of successful insider tips he has accumulated over the years to manage an SBA loan that has passed 31 days delinquent.

Avoiding Costly Mistakes on Delinquent Loans

The SBA gives lenders wide latitude in servicing actions they may perform to solve a borrower’s hopefully temporary cash flow problems. 

These actions require different strategies and a different knowledge base, particularly when the loan hits 31 days and definitely as it approaches 60 days past due. 

Principal payment deferments, interest payment deferments, reamortization, release of collateral for new financing, additional collateral and note modifications are some of your options. 

Lance will guide you through the various options available in your toolbox, focusing specifically on actions you can take independently and those that require SBA approval.

How to Avoid Surprise Invoices & Guaranty Denials or Repairs

Other important considerations include the management of various dates. Site visits are mandatory by a fixed date. 

Tricky is the accounting for loans sold to the secondary market. The SBA will pay 120 days of interest.  however if the lender does not repurchase the loan from the secondary market within that time frame the lender is responsible for ongoing interest accruals to the secondary market investor.

But the lender must clearly understand how the SBA views these dates and calculates interest. Lenders are receiving invoices for interest payments in the low five figures that they did not realize they were responsible for. 

Your team will learn:

  • All about site visits – A thorough analysis of prudent lender site visit responsibilities
  • Repurchasing the loan from the secondary market
  • A clear understanding of the SBA’s obligation to pay 120 days of interest
  • Documents required by the borrower for a workout plan
  • Deferments
  • Note modifications
  • Reamortizations
  • Factors that put the SBA loan in liquidation status
  • When and how to notify the SBA of the numerous actions you must take.How to use the SBA Loan Servicing Matrix for loans delinquent loans
  • What you must do to document collateral during the site visit, and importantly, what to do if collateral is missing
  • The workout plan
  • The liquidation plan
  • Fixing documentation problems that may jeopardize the guaranty
  • The steps the SBA allows you to perform for the care and preservation of collateral
  • When you should prepare the liquidation plan and how to obtain the SBA’s approval
  • How to apply loan payments when the loan is in default
  • How to document and get reimbursement for litigation and CPC expenses.
  • The offer in compromise discussion with the borrower
  • Selling the loan back to the secondary market after repurchase and curing a payment default
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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 an SBA participant lender and has been affiliated with Coleman Publishing for over 10 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.

Coleman Report Webinar Benefits:

  • Coleman Report webinars provide solutions to problems that left unaddressed will jeopardize the SBA loan guarantee.
  • We give management the tools to create prudent credit boxes compliant with SBA’s standard operating procedures.
  • We train your staff to ensure compliance of existing and new SBA rules and regulations.
  • Tips that solve difficult SBA underwriting, servicing and liquidation challenges.

How the Webinar Works

We use Microsoft Teams as the webinar platform.
We will open the webinar for attendees to join at 1:30 pm ET. This will give each attendee thirty minutes before the webinar begins to troubleshoot any technical issues. Call (818) 790-4591 if you need assistance.

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 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 on your sales receipt.
The link will also be included when we send the presentation and handouts. These will be sent by eod the day before.

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 Stripe
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.


A Coleman Webinar, “SBA 7(a) Loan Sold to the Secondary Market Turns 31 Days Delinquent?,” Wed., May 7, 2 pm Eastern — Single User Site License $500


A Coleman Webinar, “SBA 7(a) Loan Sold to the Secondary Market Turns 31 Days Delinquent?,” Wed., May 7, 2 pm Eastern — Unlimited Access for Emails from your Domain $800

Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com