What Every SBA Underwriter Should Know About the Franchise FDD — Wed, July 8
Evaluating Franchise Risk Through the FDD
A Coleman Professional Training Webinar
Date: Wednesday, July 8, 2026
Time: 2:00 p.m. Eastern
Includes e-certification & recording
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Michael Bland and Bob Coleman share a practical framework for reviewing Franchise Disclosure Documents and evaluating franchise credit risk under SOP 50 10 8.
Every SBA lender knows the first step in a franchise loan is checking the SBA Franchise Directory.
Experienced franchise lenders know the real underwriting begins after that.
The Franchise Disclosure Document contains critical information about franchise system performance, franchisee failures, financial representations, management structures, and long-term brand viability. SOP 50 10 8 requires lenders to review available franchise credit information, yet many institutions approach the FDD differently.
Join Michael Bland and Bob Coleman for a practical discussion on how experienced SBA franchise lenders analyze Franchise Disclosure Documents and incorporate those findings into the credit decision.
This session is designed for SBA underwriters, credit officers, franchise lenders, and loan approvers responsible for evaluating franchise transactions. The discussion focuses on what matters inside the FDD, how to identify potential risks, and how lenders can build a more complete understanding of franchise performance and eligibility.
Topics include:
• Understanding the FTC definition of a franchise and its SBA implications
• SBA Franchise Directory requirements and verification procedures
• Analyzing franchisee failure and closure data
• Evaluating Item 19 Financial Performance Representations
• Assessing franchisor financial strength and system stability
• Identifying management agreement concerns and passive business risks
• Reviewing area development and multi-unit franchise structures
• Recognizing eligibility issues before closing
• Documentation requirements under SOP 50 10 8
• Incorporating FDD analysis into the SBA credit memorandum
Whether your institution originates a handful of franchise loans each year or maintains a dedicated franchise lending platform, this session provides a structured framework for evaluating the information contained in the FDD and understanding its role in the SBA credit process.
For lenders involved in franchise finance, understanding how to analyze the Franchise Disclosure Document is an important part of making informed credit decisions.
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