SBA MARC Under SOP 50 10 8.1: A Bigger Working Capital Opportunity — Thurs, Sept 17

How to Source, Structure, Manage and Service MARC Loans Under the New Rules

A Coleman Webinar
Date: Thursday, September 17, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording

Pay Online —
$600 Single Email User License
Download Registration Form

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 Will Cover

  • 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 webinar 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.

Pay Online —
$600 Single Email User License
Download Registration Form

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 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 818-790-4591.

Pay Online —
$600 Single Email User License
Download Registration Form

Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com