For SBA lenders
Short answer
The SBA requires lenders to submit regular reports, typically quarterly and annually, on the performance and status of their 7(a) loan portfolio, including delinquencies, charge-offs, and recoveries.
Lenders participating in the 7(a) program are subject to ongoing oversight by the SBA, which includes mandatory reporting requirements. These reports allow the SBA to monitor the health of the portfolio, assess lender performance, and ensure compliance with program rules.
A lender prepares its quarterly report detailing all 7(a) loans, noting any loans that have become 90+ days delinquent, any recent charge-offs, and any recoveries from liquidation efforts, submitting this to the SBA via the required channels.
Insider move
Lenders must maintain robust internal reporting systems to accurately track and report portfolio performance. Failure to submit timely and accurate reports can lead to administrative actions, including suspension of lending authority.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 56 - Lender Participation Requirements
FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders
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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