Underwriting the SBA Construction Loan — Tues, July 14
Evaluating Construction Risk, Contractor Strength, and Project Feasibility Under SOP 50 10 8
A Coleman Professional Training Webinar
Date: Tuesday, July 14, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
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Construction lending remains one of the most complex transactions in SBA lending.
Whether financing ground-up construction, major renovations, tenant improvements, or leasehold improvements, lenders must evaluate far more than cash flow and collateral. Construction budgets, contractor qualifications, project timelines, disbursement controls, equity injection, occupancy requirements, and project completion risk all influence the credit decision.
Most institutions have established procedures for construction lending. The challenge is understanding how experienced SBA lenders structure these transactions, manage the construction risk, and document their decisions under SOP 50 10 8.
Join Michael Bland to learn how experienced lenders evaluate construction risk, underwrite contractors, analyze project budgets, document adverse change reviews, and manage transactions from approval through final completion and conversion to permanent financing.
Topics Include
• Ground-up construction versus renovation transactions
• Underwriting leasehold improvements and tenant improvement projects
• Construction budgets, contingencies, and cost verification
• Equity injection requirements and documentation expectations
• Underwriting the contractor, including experience, financial strength, capacity, and project history
• Contractor agreements, payment structures, and construction administration controls
• SBA Occupancy requirements for owner-occupied real estate projects
• Construction disbursement procedures and inspection requirements
• Managing cost overruns, change orders, and contingency reserves
• Interim financing structures and permanent take-out considerations
• SBA 504 Loan Adverse Change Certifications and lender requirements prior to conversion from construction financing to a term loan
• EPC/OC structures and construction projects involving real estate holding entities
• Common documentation issues that delay approval, closing, funding, or loan conversion
Participants will examine how experienced SBA lenders evaluate project feasibility, repayment ability, contractor risk, collateral protection, and construction completion risk while maintaining compliance with SBA requirements.
Instructor
Michael Bland is a nationally recognized SBA lending professional with extensive experience in SBA credit structure, underwriting, loan policy, and operational execution. He has worked directly for and with SBA lenders on complex 7(a) transactions involving refinance eligibility, credit analysis, documentation standards, and SOP interpretation. His sessions focus on how experienced institutions structure and execute SBA transactions in practice.
Who Should Attend
SBA lenders, credit officers, underwriters, business development officers, closers, portfolio managers, construction administrators, and lending executives involved in construction, renovation, or leasehold improvement financing.
Why Attend
Construction loans frequently represent some of the largest and most complex credits in an SBA portfolio. Mistakes in project budgeting, contractor selection, equity verification, or construction administration can create significant credit and compliance risk. This webinar provides an opportunity to compare underwriting approaches, evaluate documentation practices, and understand how experienced SBA lenders structure construction projects in today’s lending environment.
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.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com