For SBA lenders
Short answer
Lenders must now use their own internal credit scoring models and prudent lending standards, which may include FICO Small Business Scoring Service (SBSS) scores, but the SBA no longer mandates its use for 7(a) Small Loans.
The sunset of the SBSS score requirement for 7(a) Small Loans allows lenders greater flexibility. While SBSS scores can still be part of a lender's internal credit analysis, the SBA no longer requires or provides them as the primary credit assessment tool. Lenders must demonstrate adherence to prudent lending standards through their own robust underwriting processes.
A lender previously relied solely on the SBSS score for its 7(a) Small Loan credit decisions. After the sunset, the lender implements an updated internal credit policy that combines personal credit scores, business cash flow analysis, and industry-specific metrics to assess risk for loans under $500,000.
Sunset of SBSS Score for 7(a) Small Loans
SOP 50 10 - Lender and Development Company Loan Programs
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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