SOP 50 10 8.1: Comprehensive Lender Training — Online Training
SBA issued SOP 50 10 8.1 on August 14, 2026. For loans receiving an SBA loan number on or after October 1, 2026, lenders will operate under a substantially reorganized framework.
Experienced SBA lenders already have established processes for underwriting, documenting, approving, and closing loans. The challenge with a new SOP is determining precisely where those existing processes need to change.
That is the focus of this training.
Lance Sexton will conduct a lender-focused working review of SOP 50 10 8.1, examining the changes from the standpoint of the bankers, underwriters, processors, and closers who must apply the new requirements to actual SBA transactions.
One of the most significant changes involves change-of-ownership transactions. SBA now separates these loans into four categories: Initial Acquisition, Business Expansion, Owner Buyout, and ESOP/Co-Op. Each has its own credit considerations, consolidated in the new Appendix 15.
The SOP also introduces a Quality of Earnings requirement for certain acquisition transactions, affecting both the underwriting process and the documentation lenders must obtain before completing their analysis.
SBA has reorganized other major requirements as well. Seven new appendices now address areas that lenders routinely work with, including debt refinancing, change of ownership, guaranty amounts, loan maturity, interest rates, collateral, and submission of the application for guaranty.
The training will also examine lenders’ new ability to refinance their own debt using delegated authority, revised guaranty requirements involving Trust-owned borrowers, SBA Express amortization and reissuance provisions, and changes affecting secondary market transactions.
The discussion will cover:
- The October 1 implementation date and its application to loans currently moving through the pipeline
- The seven new appendices and how SBA has reorganized key requirements
- The four new change-of-ownership categories and their underwriting structure, plus the new Quality of Earnings requirement.
- Debt refinancing changes, including a lender’s ability to refinance its own debt under delegated authority
- SBA Express amortization and reissuance changes
- Secondary market changes involving SOFR and Treasury-based loans
- New 504 Loan Guidelines
- All other practical considerations for updating underwriting, processing, documentation, and closing procedures before October 1
- This session is designed for credit officers, SBA executives, underwriters, processors, closers, portfolio managers, compliance professionals, and other experienced 7(a) lending professionals who need
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