Small Business Administration Loan Policy
This Small Business Administration Loan Policy Template addresses Small Business Administration (SBA) loan products, underwriting, and related lending operations of a bank, credit union, fintech company, or other type of financial institution. The Small Business Act and Small Business Investment Act authorize the SBA to guaranty loans and issue bonds to assist small business owners. The goal of these programs is to provide support to small businesses through entrepreneurial development, government contracting, advocacy, and access to capital through loans to applicants that cannot otherwise obtain credit on reasonable terms and conditions.
Table of Contents
- Purpose and Contents – Topic 1
- Policy Statement – Topic 2
- Risk Management – Topic 3
- Strategic Planning – Topic 4
- Originating, Selling, and Purchasing SBA-Guaranteed Loans – Topic 5
- 7(A) Loan Program – Topic 6
- 504 Loan Program – Topic 7
- Coronavirus Relief Option Loans – Topic 8
- Underwriting, Submission, and Approval – Topic 9
- Loan Servicing – Topic 10
- Risk Grades – Topic 11
- Liquidation of Collateral and Credit Loss Allowance – Topic 12
- Sale of SBA Loans – Topic 13
- Promotion of SBA Loans – Topic 14
- Concentration Risk Management – Topic 15
- Stress Testing – Topic 16
- Regulatory Reporting – Topic 17
- Capital Considerations – Topic 18
- Accounting for SBA Loan Sales and Assets – Topic 19
- Audit Policy – Topic 20
- Staff Training – Topic 21
- Retention of Documentation – Topic 22
Recent updates to this product:
SBA – 5000-846991 – Implementation of Removal of the Loan Authorization
SBA – 5000-846607 – Implementation of the Final Rule of Affiliation and Lending Criteria for the SBA Business Loan Programs
This Small Business Administration Loan Policy Template (approximately 43 pages) is available to purchase from BankPolicies.com in Microsoft® Word format.
NOTE: The complete contents of this product are also included in the Commercial Loan Policy Template.
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