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Issuance of SOP 50 10 8.1 (SBA Information Notice, effective October 1, 2026), 7(a) and 504 Loan Programs

Summary

SBA Information Notice, control no. 5000-880695, subject Issuance of SOP 50 10 8.1, published August 14, 2026 and effective October 1, 2026. The notice informs SBA Lenders, SBA employees, and applicants and borrowers of the 7(a) and 504 Loan Programs of the issuance of Standard Operating Procedure (SOP) 50 10 8.1, Lender and Development Company Loan Programs. It states that SOP 50 10 8.1 applies to all applications issued an SBA loan number on or after October 1, 2026, and that SOP 50 10 8.0 continues to apply to 7(a) and 504 applications submitted through September 30, 2026. The notice adds that SOP 50 10 8.1 provides new flexibilities for SBA Express and same institution debt refinancing, and it lists Policy Notices and Procedural Notices that SOP 50 10 8.1 integrates.

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“Issuance of SOP 50 10 8.1 (SBA Information Notice, effective October 1, 2026), 7(a) and 504 Loan Programs.” Original at legacy.sba.gov. Archived at Pandemic Darlings, https://pandemicdarlings.com/source-documents/sba-notice-5000-880695-issuance-of-sop-50-10-8-1-2026-08-14-58551612db/, SHA-256 bbd85b0c20cddcff18bb22832ff1f24ea529db17c438710a86c1916502293caa.

Full text

                      SBA Information Notice

TO: All SBA Employees, 7(a) Lenders, Certified                              CONTROL NO.: 5000-880695
Development Companies, Applicants, and
Borrowers of the 7(a) and 504 Loan Programs                                 EFFECTIVE: October 1, 2026

SUBJECT: Issuance of SOP 50 10 8.1                                          PUBLICATION: August 14, 2026


The purpose of this Notice is to inform 7(a) Lenders, Certified Development Companies (CDCs),
together known as “SBA Lenders,” SBA employees, and Applicants and Borrowers of the 7(a)
and 504 Loan Programs of the issuance of Standard Operating Procedure (SOP) 50 10 8.1,
Lender and Development Company Loan Programs.

SOP 50 10 8.1 will become effective October 1, 2026, and will apply to all applications1 that
are issued an SBA loan number on or after that date. SBA Lenders and SBA employees must
continue to use SOP 50 10 8.0 for 7(a) and 504 applications submitted through September 30,
2026.

Users are advised to fully read SOP 50 10 8.1 to ensure understanding of all changes.

SOP 50 10 8.1 builds upon the 7(a) and 504 lending criteria reintroduced in SOP 50 10 8.0. The
update also includes updates to change of ownership lending which are now found within
Appendix 15. SOP 50 10 8.1 also provides new flexibilities for SBA Express and same
institution debt refinancing.

Additionally, SOP 50 10 8.1 integrates the Policy and Procedural Notices published the issuance
of SOP 50 10 8.0:

Policy Notices:

    •   Policy Notice 5000-876441 – Citizenship and Residency Requirements and Rescission of
        Procedural Notice 5000-872050


1
  SBA is in the process of updating application forms to correspond with SOP changes. Until
updated application forms are available, SBA Lenders must collect all required information and
certifications as required by the existing forms and SOP 50 10 8.1 and retain them in the loan
file.
PAGE 1 of 2                                                                                EXPIRES: 10/1/27
SBA Form 1353.3 (4-93) MS Word Edition; previous editions obsolete
Must be accompanied by SBA Form 58

                                   Federal Recycling Program   Printed on Recycled Paper
           o Published 2/2/26; Effective 3/1/26
   •   Policy Notice 5000-877629 – 7(a) International Trade Loan Program Updates
           o Published 4/2/26; Effective 5/1/26
   •   Policy Notice 5000-879058 – Coordination of 7(a) and 504 for Maximum Loan Limits
           o Published: 5/18/26; Effective 7/4/26
   •   Policy Notice 5000-879464 – Prior Loss Rule: Non-Controlling Ownership Update
           o Published: 5/28/26; Effective 6/1/26
Procedural Notices:

   •   Procedural Notice 5000-872764 – Revisions to SOP 50 10 8 – 504 and 7(a) Loan
       Program Updates
          o Effective: 9/30/25
   •   Procedural Notice 5000-870260 – Appendix 13 – 7(a) Manufacturer’s Access to
       Revolving Capital (MARC) loans
          o Effective: 9/4/25
   •   Procedural Notice 5000-876777 – Sunset of SBSS Score for 7(a) Small Loans and
          o Published: 2/20/26; Effective: 3/1/26
   •   Procedural Notice 5000-875051 – 7(a) Alternate Base Rate Options
          o Published: 2/6/26; Effective 3/1/26
   •   Procedural Notice 5000-876626 – Revised Applicant Ownership and Residency
       Requirements for 7(a) and 504 Loans
          o Published: 2/11/26; Effective 3/1/26


Questions
7(a) Lenders can submit questions on the SOP update 7aQuestions@sba.gov. CDC and TPL
Lenders can submit questions to 504Questions@sba.gov.




Thomas Kimsey
Associate Administrator
Office of Capital Access




PAGE 2 of 2                                                                              EXPIRES: 10/1/27
SBA Form 1353.3 (4-93) MS Word Edition; previous editions obsolete
Must be accompanied by SBA Form 58

                                 Federal Recycling Program   Printed on Recycled Paper

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sba-notice-5000-880695-issuance-of-sop-50-10-8-1-2026-08-14.pdf
Original
legacy.sba.gov
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