SBA Standard Operating Procedure
Published by U.S. Small Business Administration · Last checked by DealRoom: 2026-06-13
Standard Operating Procedure 50 10 is the SBA's primary operational manual for lenders making 7(a) and 504 loans. It translates the CFR's regulatory framework into the specific rules lenders must follow during origination, underwriting, closing, and servicing. The current version (SOP 50 10 8, effective 2023) is the document loan officers use daily when evaluating 7(a) applications.
The SOP is where the practical 7(a) rules live. Equity injection percentages, seller-note standby requirements, franchise directory checks, guarantor requirements, uses-of-proceeds rules, and change-of-ownership structures are all spelled out here. When a lender says 'the SBA requires X,' the SOP is almost always the source of that requirement.
These DealRoom Q&A pages cite SOP 50 10 directly.
DealRoom is not the SBA — the official source controls
This page summarizes SOP 50 10 for informational purposes. DealRoom is not affiliated with the SBA or any federal agency. The official source at www.sba.gov is the authoritative version. SBA rules change; always verify against the current official source before relying on any rule for a live deal. This is not legal, tax, or financial advice.
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