Small Business Administration Loan Policy
This Small Business Administration Loan Policy 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
- Microloans – Topic 9
- Underwriting, Submission, and Approval – Topic 10
- Loan Servicing – Topic 11
- Risk Grades – Topic 12
- Liquidation of Collateral and Credit Loss Allowance – Topic 13
- Sale of SBA Loans – Topic 14
- Promotion of SBA Loans – Topic 15
- Concentration Risk Management – Topic 16
- Stress Testing – Topic 17
- Regulatory Reporting – Topic 18
- Capital Considerations – Topic 19
- Accounting for SBA Loan Sales and Assets – Topic 20
- Audit Policy – Topic 21
- Staff Training – Topic 22
- Retention of Documentation – Topic 23
Recent updates to this product:
05/01/25 Update
SBA News Release 2542 – SBA Highlights Range of New Measures to Stop Fraud
SBA New Release 2545 – SBA Eliminates Disastrous Biden-Era Underwriting Standards
This Small Business Administration Loan Policy (approximately 46 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.
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