For SBA lenders
Short answer
No, the sunset of the SBSS score specifically applies to 7(a) Small Loans ($500,000 or less). Standard 7(a) loans above this threshold were never exclusively reliant on SBSS and continue to require comprehensive, traditional underwriting.
The SBSS score was a tool for expedited underwriting of smaller 7(a) loans. For larger 7(a) loans, lenders have always been required to perform full, traditional credit analysis including financial statement review, cash flow analysis, and assessment of management experience, independent of the SBSS score.
A lender is underwriting a $750,000 standard 7(a) loan. Even before the SBSS sunset, this loan would have required a full credit memo, detailed financial projections, and a comprehensive analysis of the borrower's background. The SBSS sunset does not introduce new requirements for this loan size, as full underwriting was always mandatory.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
Sunset of SBSS Score for 7(a) Small Loans
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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