SBA MARC Loans Under SOP 50 10 8.1 — Online Training
How to Source, Structure, Manage and Service MARC Loans Under the New Rules
SBA introduced MARC in 2025 as a working capital product for manufacturers. SOP 50 10 8.1 expands the market. Effective October 1, 2026, MARC eligibility includes manufacturers, eligible wholesalers and specified businesses in the food supply chain. Manufacturers may borrow up to $5 million, while other eligible businesses have a $2 million maximum.
The new SOP also changes how MARC loans are structured and underwritten. MARC must now be revolving. Working capital debt refinancing is expressly permitted, historical debt service coverage for existing businesses must generally reach 1.15x, and revolving lines face a 1.10x standard at annual review.
For management, the decisions include where to source MARC borrowers, how to structure and price the facility, how the credit will be monitored, and what servicing and collateral-monitoring capabilities the institution needs. Management should also evaluate whether third-party support can be used for portions of that process.
David Parrish will lead this working session from the lender management perspective. The discussion will also address when MARC is the appropriate working capital structure and when a qualifying manufacturer may be better served by an International Trade Loan with a 90% SBA guaranty.
What David Parrish Covers
- The expanded MARC market for manufacturers, wholesalers and eligible food-supply-chain businesses.
- How to identify MARC opportunities within existing SBA and commercial banking relationships.
- The new requirement that MARC loans be structured as revolving facilities.
- Working capital debt refinancing under SOP 50 10 8.1.
- Structuring open lines, tiered availability and borrowing-base facilities.
- The 1.15x underwriting standard and 1.10x annual-review requirement under SOP 50 10 8.1.
- Collateral requirements, including the first lien on accounts receivable, inventory and other trading assets.
- Comparing the 75% MARC guaranty with the 90% guaranty available on qualifying International Trade Loans.
- Portfolio economics, servicing fees and the staffing and systems needed to administer MARC loans.
- Servicing requirements, annual reviews, term-out decisions and where third-party support may fit into MARC administration.
This training is designed for bank CEOs, SBA executives, chief lending officers, chief credit officers, SBA program managers and senior lenders evaluating how the expanded MARC program fits into their institution’s working capital strategy.
How the Training Works
Course Access
All Coleman professional training courses are hosted on Litmos, our online learning platform. Upon payment, you will receive a link to access your course. Access remains available for one year from the date of purchase, allowing you to complete the training at your own pace.
For questions or assistance, please contact anna@colemanreport.com.
Training Materials
Course presentations and supplemental handouts are available directly in Litmos under the “Additional References” section.
Certificate of Participation
Upon completion of the training, participants will receive a Coleman Certificate of Participation to document their continuing education and professional development for SBA and regulatory purposes.
100% Satisfaction Guarantee
We stand behind our training with a 100% money-back satisfaction guarantee. If you are not completely satisfied with your purchase, we will provide a full refund — no questions asked.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com