New SOP 50 57 4 Effective November 1: SBA Mandatory Deadlines and Expanded Guaranty Repair and Denial Guidance — 10/8
What every SBA lender must know events that trigger the 24-month liquidation clock, 30-day Wrap-Up Report rule, and the expanded list of guaranty repair triggers
..
A Coleman Training Webinar
Date: Wednesday, October 8, 2025
Time: 2:00 p.m. Eastern
Includes e-certification & recording
SBA lenders are facing a wave of new compliance challenges with SOP 50 57 4, effective November 1, 2025. The revisions reshape how lenders must service and liquidate SBA loans, and a missed step could put your guaranty at risk. From new deadlines to expanded denial grounds, the pressure is on compliance teams to update policies and procedures quickly. The rules of SOP 50 57 3.1 are no longer enough.
Among the biggest traps are the expanded list of lender failures that can now trigger guaranty repairs or denials, along with stricter enforcement of the 24-month Prudent Liquidation Deadline, and the entirely new SBA Uncollectible loan status that changes how referrals to Treasury must be handled. Lenders must also prepare Wrap-Up Reports within 30 days, understand which litigation expenses SBA will reject, and apply the increased $10,000 threshold for collateral losses. These are not small details—they are make-or-break rules for guaranty protection.
This webinar will simplify the complexity and give you a practical roadmap for compliance. We will explain what SBA expects in guaranty purchase requests, how to write exception justifications and verify citizenship for new obligors, where to route servicing and liquidation packages now that the Little Rock CLSC is closed, and how to comply with the 10-year PPP record retention requirement. You’ll get clear explanations, real-world context, and step-by-step guidance on each change.
Attendees will walk away with practical strategies to protect their SBA guaranty, including updated compliance manuals, checklists, and training tools for staff. The result is peace of mind: you’ll know how to meet SBA’s new expectations, avoid costly mistakes, and strengthen your institution’s control over servicing and liquidation under SOP 50 57 4.
Topics Covered
- Expanded denial of liability grounds (IRS transcripts, deferments, misuse of proceeds)
- 24-month Prudent Liquidation Deadline and extension procedures
- SBA Uncollectible loan status and Treasury referral process
- PPP loan record retention requirement extended to 10 years
- Wrap-Up Report timing and documentation standards
- Non-recoverable litigation expenses and SBA approval requirements
- Closure of Little Rock CLSC and updated routing to Fresno CLSC/NGPC Herndon
- Updated annual service fee payment requirements
- New $10,000 material loss threshold for collateral recoveries
10 Things You Will Learn
- The expanded list of lender failures that can trigger guaranty repairs or denials.
- How to track and meet the 24-month Prudent Liquidation Deadline.
- What SBA Uncollectible status means and how to manage Treasury referrals.
- When and how to prepare Wrap-Up Reports within 30 days of liquidation.
- Which litigation expenses SBA will reject and how to manage recoverable costs.
- How to apply the new $10,000 collateral loss threshold in liquidation.
- How to write exception justifications and verify citizenship for new obligors.
- Where to route servicing and liquidation packages after the Little Rock CLSC closure.
- Practical ways to update compliance manuals, checklists, and staff training for SOP 50 57 4.
- The steps to comply with the 10-year PPP record retention mandate.
Why This Training Stands Apart
Why attend this training instead of relying on SBA or other industry programs? Because we bring independence. SBA’s training tells you what the rule says, but not always why it matters or how it affects your daily operations. Our approach is different: we dig into the context behind the changes, explain why SBA made them, and show you how to apply them in real-world lending situations. We are not bound by agency messaging, so we can highlight risks, gray areas, and lender responsibilities with clarity and without bias. The result is practical, contextual guidance that helps you manage your portfolio to protect your guaranty with confidence.
Your Training Instructor
Lance Sexton
Lance Sexton brings unmatched expertise to SBA servicing and liquidation training. A former small business owner himself, Lance understands firsthand the challenges lenders and entrepreneurs face. He has more than 40 years of experience in SBA lending, including 20 years directly managing portfolios of SBA loans.
Lance served as Deputy Director of the SBA’s Little Rock Servicing Center, giving him unique insight into how the Agency views compliance, servicing, and guaranty purchase. He has personally overseen SBA loan portfolios worth billions, and today he serves as Executive Vice President and Managing Director of Servicing and Liquidation at Phoenix Lender Services.
Lance is also an award-winning educator, having earned three national industry awards for “Best Online Learning Product.” He is an adjunct faculty member at the University of the Ozarks and has been affiliated with Coleman Publishing for over 11 years, where he has trained thousands of SBA professionals nationwide.
By the Numbers
– Personally involved in more than 500 SBA 7(a) guaranty purchase cases totaling over $500 million
– Serviced portfolios for more than $2 billion in SBA 7(a) loans
– Managed servicing, liquidation, and guaranty purchase for over $4 billion in PPP loans
– 40+ years of SBA lending and servicing expertise
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 included when we distribute the presentation and handouts shortly before the webinar.
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 $500 or QuickBooks $800
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