For SBA lenders
Short answer
The sunset of the SBSS score for 7(a) Small Loans means lenders must now perform a comprehensive credit analysis for all loans, rather than relying solely on the SBSS score for initial screening.
Effective October 1, 2023, the Small Business Scoring Service (SBSS) score is no longer required for 7(a) Small Loans. Lenders must now apply prudent lending standards and conduct a full credit review for every 7(a) loan, regardless of amount. This includes analyzing cash flow, collateral, character, credit history, and management experience, without a minimum SBSS score threshold.
Previously, a lender might have relied on a strong SBSS score for a $200,000 7(a) Small Loan. Now, for the same loan, the lender must produce a detailed credit memo analyzing the borrower's cash flow, industry trends, and management team, similar to a larger standard 7(a) loan.
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 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. 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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