Unlock Hidden Value: Selling the Unguaranteed Portion of SBA 7(a) Loans — 4/23
A Coleman Webinar
Date: Thursday, April 23, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
Selling the guaranteed portion of SBA 7(a) loans is standard practice and a proven driver of non-interest income. But most lenders overlook the second profit center sitting on their balance sheet: the unguaranteed portion.
While the SBA secondary market focuses on the guaranteed interest, lenders retain the remaining 10% to 50% exposure, often holding it without a defined exit strategy.
That’s a missed opportunity.
Led by former SBA Secondary Market Chief David Parrish, this webinar focuses on selling the unguaranteed portion of the SBA 7(a) loan.
New markets are emerging that allow a growing number of sophisticated lenders to actively structure, price, sell, or leverage the unguaranteed portion to enhance yield, manage concentration risk, and boost capital for new lending. This webinar shows you how.
Why This Matters
The SBA 7(a) secondary market is highly liquid for the guaranteed portion, allowing lenders to generate premiums and redeploy capital quickly.
But the unguaranteed portion behaves differently:
- It carries full credit risk
- The SBA guaranty does not back it
- It is often illiquid—unless properly structured
Lenders who treat the unguaranteed strip as a passive hold miss:
- Opportunities to sell at a premium or near par
- Ways to reduce hold exposure and concentration risk
- Strategies to enhance total loan yield beyond gain-on-sale
The result? Lower ROA, constrained balance sheet capacity, and suboptimal SBA program profitability.
What You’ll Learn
- How to structure SBA 7(a) loans at origination to make the unguaranteed portion more marketable
- The emerging buyer landscape for unguaranteed strips (banks, funds, and credit investors)
- How credit quality, collateral, and cash flow drive pricing on the retained piece
- Strategies to sell, participate, or finance the unguaranteed portion
- How to evaluate hold vs. sell decisions to maximize total return on each loan
- The impact of loan structure (rate, term, amortization) on both guaranteed and unguaranteed execution
- Identification of buyers of this product.
Who Should Attend:
- SBA 7(a) lenders and program managers
- Chief Credit Officers and Chief Lending Officers
- Secondary market and capital markets teams
- Bank executives focused on SBA profitability and balance sheet optimization.
The Bottom Line
Most lenders focus on the premium from selling the guaranteed portion.
Top-performing lenders focus on total loan economics.
That includes:
- Gain on sale
- Servicing income
- Yield on retained interest
- And increasingly, monetization of the unguaranteed portion
Join Us
Learn how to turn the unguaranteed portion from a passive hold into an active profit strategy—and unlock the full earnings potential of every SBA 7(a) loan you originate.
Your Training Staff
David Parrish
David Parrish is a small business finance and capital markets professional with nearly two decades of experience at SBA. During his tenure, he held leadership roles in the Office of Capital Access and the Small Business Investment Company (SBIC) program, specializing in SBA lending, secondary market operations, credit risk management, and investment analysis. Most recently, he served as Manager of the SBA’s Secondary Market Group, overseeing securitization and market operations for SBA-backed loans. Now affiliated with Deerwood Advisors, Parrish advises on small business finance, lending strategy, and capital market dynamics, bringing deep expertise in SBA programs, private equity and venture capital finance, and commercial lending.
Bob Coleman
Bob Coleman is the founder of Coleman Publishing, a publisher of newsletters, reports, data, conferences, webinars, online training videos — to help finance professionals become small business lending experts. Bob is the nationally recognized expert on small business financing. He has appeared frequently on Fox Business News, NPR and other numerous media outlets. He is sourced by all print media. He is a frequent speaker about small business lending throughout the US and EU. Bob has a BA in Medieval History from the University of California Santa Barbara and a MBA in Real Estate Finance from the University of Southern California. Bob has earned numerous awards as a producer of events and video training. His passion is getting capital to Main Street and Rural American small business.
How the Webinar Works
We use Microsoft Teams as the webinar platform.
Recording
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 on your sales receipt.
The link will also be included when we send the presentation and handouts. These will be sent by eod the day before.
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 818-790-4591.
Bob Coleman
Publisher, Coleman Report
bob@colemanreport.com