SBA 7(a) Loans 30 Days Past Due: Critical Servicing Actions Every Lender Must Take — Wed, June 17
Avoiding Costly Mistakes on Delinquent SBA 7(a) Loans
Coleman Professional Webinar Training
Date: Wednesday, June 17, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
One of the reasons the SBA increased 7(a) guaranty fees last year was the rise in delinquencies and charge-offs that ultimately result in guaranty purchases and increased cash outflows from the U.S. Treasury.
For lenders managing a deteriorating SBA 7(a) portfolio, servicing delinquent loans requires disciplined execution, documentation, and timing. Once a loan moves beyond 31 days past due, servicing decisions begin carrying greater operational and guaranty risk. As loans approach 60 days delinquent, the complexity increases further, particularly for loans sold into the secondary market.
Coleman’s SBA servicing and liquidation instructor, Lance Sexton, will lead a working discussion focused on how experienced lenders manage delinquent SBA loans in practice. The session will examine the decision frameworks, servicing strategies, and documentation standards lenders use to navigate borrower workouts while protecting the SBA guaranty.
The discussion will cover the servicing actions lenders may take independently, as well as those requiring SBA approval, including deferments, reamortizations, note modifications, collateral releases, and workout structures.
Special attention will be given to secondary market servicing responsibilities, including the SBA’s 120-day interest payment obligation and the operational risks lenders face if repurchase deadlines are missed. Many lenders are receiving unexpected invoices related to ongoing secondary market interest accruals due to misunderstandings about servicing timelines and SBA calculations.
The session will also address collateral preservation requirements, mandatory site visits, liquidation triggers, workout documentation, liquidation plans, and guaranty protection considerations.
Your team will review:
• Site visit responsibilities and collateral documentation
• Secondary market repurchase requirements
• SBA interest payment calculations and timing requirements
• Borrower documentation for workout plans
• Deferments, note modifications, and reamortizations
• Liquidation triggers and liquidation planning
• Use of the SBA Loan Servicing Matrix
• Managing missing collateral situations
• Collateral preservation and care expenses
• Litigation and CPC expense reimbursement procedures
• Offer in compromise discussions
• Selling a repurchased loan back into the secondary market after curing default
Lance Sexton brings decades of hands-on SBA servicing and liquidation experience. He will focus the discussion on how lenders structure decisions, manage timelines, and protect the guaranty when loans become distressed.
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 818-790-4591.