SOP 50 10 8.1 Reshapes SBA Acquisition Lending — Thurs, Sept 10
The Major Change of Ownership Rules SBA Lenders Need to Understand Before October 1
Coleman Professional Webinar Training
Date: Thursday, September 10, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
SBA’s new SOP 50 10 8.1 does not simply revise the existing 7(a) Change of Ownership provisions. It restructures them.
Effective October 1, 2026, the former Change of Ownership requirements are removed from the primary 7(a) lending chapters and consolidated into a new standalone Appendix 15. That appendix establishes one framework for 7(a) Change of Ownership transactions and introduces new categories, underwriting thresholds, documentation requirements, and transaction-specific considerations.
Experienced SBA lenders already have acquisition lending processes in place. The question is how those processes align with the new framework and where execution will need to change.
This session is a working discussion for senior SBA lenders, credit officers, underwriters, closers, and executives who want to compare their approach before SOP 50 10 8.1 becomes effective.
What We Will Cover
- How Appendix 15 consolidates the 7(a) Change of Ownership requirements into a single framework
- Why 7(a) Small loans will no longer be permitted for Change of Ownership financing
- How SBA’s four categories of Initial Acquisition, Business Expansion, Owner Buyout, and ESOP & Cooperative affect transaction structure
- The requirements for the new Business Expansion category
- The new Quality of Earnings requirement for qualifying Initial Acquisition and Business Expansion transactions with a Purchase Price of $3 million or more
- How the 10% equity injection requirement applies across the four categories
- When lenders may reduce or eliminate the injection based on documented post-transaction liquidity
- The new category-specific DSCR thresholds
- Using projections for DSCR calculations
- The new two-year guaranty requirement for certain minority sellers
- The extension of the permitted seller transition period from 12 months to 24 months
The 504 Change of Ownership provisions remain unchanged. The substantive changes are concentrated on the 7(a) side.
A Working Session for Experienced SBA Professionals
Michael Bland will lead the discussion from the perspective of real-world SBA lending execution.
The focus is not basic acquisition lending instruction. It is how experienced professionals will interpret the new structure, coordinate underwriting and documentation, and make transaction decisions under Appendix 15.
Participants will leave with a clearer framework for comparing their existing Change of Ownership process with the requirements that become effective October 1, 2026.
If Change of Ownership lending is part of your portfolio, credit responsibility, or operating oversight, this is the discussion to have before the new SOP takes effect.
Register for the session and compare your approach with the new Appendix 15 framework.
How the Webinar Works
We use Microsoft Teams as the webinar platform. 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 818-974-8934.