The SBA just dropped a new SOP—and it’s shaking up how small business loans work. Shane, Stephanie, and Brian break down what’s changing, what’s broken, and how buyers and lenders can adapt. From seller carries to guarantee requirements, this episode is packed with real talk and strategy.

📌 Timestamps:
01:00 – Intro & Overview of SBA SOP 50 10 8
02:25 – What Changed and Why It Matters
04:04 – New Down Payment & Injection Rules
08:30 – Seller Carryback Standby Terms Explained
13:16 – Full Guarantees for Minority Owners
18:00 – End of GP Submissions for PLP Lenders
23:17 – How Banks Will Respond to Increased Risk
28:25 – Why SBA Is Eliminating MCA Refinance Options
34:05 – The Bigger Impact on Borrowers & Business Owners
41:01 – Feedback Loops, Policy Blind Spots & Final Thoughts
49:00 – Wrap-Up & Call for Audience Feedback

Questions or feedback? We'd love to hear from you.