Underwriting SBA Business Acquisition Loans with Limited Collateral — Thurs, Aug 13
Cash Flow Analysis, Goodwill Support, and Defensible Credit Memo Documentation
A Coleman Training Webinar
Date: Thursday, August 13, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
Business acquisition lending remains one of the most active and closely reviewed segments of the SBA 7(a) program. In FY 2025, more than $9 billion in SBA 7(a) loan volume supported change-of-ownership transactions, representing 23.6% of all SBA 7(a) dollars approved. With Baby Boomers still owning a significant percentage of U.S. small businesses, acquisition financing remains one of the largest opportunities for SBA lenders.
These loans are rarely fully collateralized. Instead, lenders must determine whether projected cash flow, borrower experience, business value, and transaction structure provide sufficient support to approve the credit. The underwriting challenge is documenting why the loan is acceptable despite a collateral shortfall while satisfying SBA’s Change of Ownership requirements under SOP 50 10 8.
This webinar focuses on the underwriting decisions that matter most in today’s business acquisition loans. Using practical examples and current SBA requirements, Chief Credit Officer Michael Bland explains how experienced SBA lenders evaluate goodwill, determine acceptable collateral support, document repayment ability, and prepare credit memorandums that support approval of undercollateralized acquisition loans.
The discussion also examines recent business acquisition fraud cases, common underwriting red flags, and the documentation lenders should maintain to protect the SBA guaranty when financing transactions with significant goodwill.
Topics include:
- Buyer experience and management transition risk
- Lessons from recent OIG audits of fraudulent business acquisition loans
- Business valuation and goodwill analysis requirements
- Cash flow analysis supporting undercollateralized acquisition loans
- Equity injection documentation and verification
- Seller standby note qualification standards
- Collateral analysis, available collateral calculations, and “airball” support
- Credit memo documentation supporting goodwill and collateral shortfalls
- Closing requirements and disbursement controls
The webinar follows the complete underwriting process for an SBA business acquisition loan, from initial credit analysis through closing execution and final disbursement, with particular focus on structuring and documenting loans that are not fully collateralized.
“Business acquisition loans have become the bread and butter of SBA lending.” -Michael Bland
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.