SBA Franchise Underwriting Under SOP 50 10 8.1 — Wed, Sept 16

New Franchise Eligibility, Management and Documentation Requirements Effective October 1, 2026

Coleman Professional Webinar Training
Date: Wednesday, September 16
Time: 2:00 p.m. Eastern
Recording and e-certification provided

SOP 50 10 8.1 takes effect October 1, 2026, with several changes that affect how SBA lenders evaluate and document franchise transactions. The SBA Franchise Directory remains central to eligibility, but lenders also need to consider the applicant’s operating structure, management arrangements, professional licensing requirements and the documents supporting the franchise relationship.

For experienced SBA underwriters, franchise lending often requires decisions that go beyond confirming that a brand appears on the Directory. Multiple brands, non-franchise licensing agreements, management agreements, area development rights and professionally licensed concepts can change how the transaction should be analyzed and documented.

Lance Sexton will lead a working session on underwriting SBA franchise loans under SOP 50 10 8.1. He will review the new requirements alongside the franchise rules that remain in place, with an emphasis on how lenders apply them during eligibility review, credit analysis and loan approval.

The session is designed for SBA underwriters, credit officers, loan officers, program managers and other professionals responsible for determining eligibility and documenting franchise transactions.

What Lance Sexton Will Cover

• What changes October 1, 2026 under SOP 50 10 8.1 for SBA franchise lending.
• Using the SBA Franchise Directory to establish brand eligibility and identifying the correct Franchise Identifier Code.
• How SBA’s expanded review of franchisors and franchise documentation affects brands seeking or maintaining Directory eligibility.
• Underwriting applicants operating under multiple franchise, license or similar agreements.
• Treatment of a single non-critical agreement representing 50% or less of applicant revenue.
• Management agreements, meaningful oversight and determining when a franchise operation becomes an ineligible passive business.
• Franchise management arrangements involving the franchisor or an affiliate of the franchisor.
• Franchise Development Agreements, Master Franchise Agreements, area development rights and multi-unit franchise structures.
• New guidance for professionally licensed franchise businesses, including medspas and state ownership requirements.
• New guidance affecting cleaning service and similar operating models where contracts or operating responsibilities exist at different levels of the franchise structure.

Your Instructor: Lance Sexton

Lance Sexton is a former Deputy Director of the SBA Little Rock Commercial Loan Servicing Center. He has more than 40 years of SBA and commercial lending experience spanning origination, underwriting, servicing, workouts and liquidation. His experience on both the lender and SBA sides of the program gives attendees a practical perspective on how eligibility and underwriting decisions affect the loan throughout its life cycle.

Join Lance Sexton for a practical review of SBA franchise underwriting under SOP 50 10 8.1 and how the new requirements fit into an experienced lender’s existing eligibility and credit process.

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