Major Changes to SBA Loans (July 2025)

About the Episode

Learn all about how the new SBA loan standard operation procedures will influence your sale. Steve Mariani, a financing intermediary, emphasized the importance of understanding these changes, particularly the equity injection rules and the impact on vehicle liens, to navigate SBA transactions effectively.

When you’re talking about any type of goodwill transaction, SBA is still the number one avenue in the country.

Steve Mariani

What You’ll Learn

• Description and Decision Makers at the SBA: Who writes the SBA SOP?
• Partial Ownership: If the seller retains even a 1% ownership of the business, they will be responsible for a full guarantee of the loan for 24 months.
• Equity Injections: Buyers must provide at least a 5% down payment, and sellers can now hold only up to 5% of the down payment.
• Vehicle Titles: The lender will only need to hold the title of vehicles over $20,000.

Topics Covered

Want More? Related Resources: 

• SBA Financing When Buying or Selling a Business
• M&A Seller Financing: A Complete Guide
• Small Business Acquisition Financing

Meet Our Guest

Steve Mariani

President at Diamond Financial | Raleigh, NC

Steve Mariani, along with the entire Diamond Financial team, have been committed to the success of the intermediary communities since 1996. Serving higher volume broker offices, Steve travels the country explaining the many creative methods SBA financing can be utilized to close additional transactions. Steve consistently reviews the updates and changes to the program to assist and inform his followers of the best methods to consistently increase commissions through creative buyer financing options. He shares his knowledge and many years of experience to assist and grow the industry. With lender policies constantly changing without notice, Diamond has remained the relied upon source for almost 3 decades. Diamond Financial guarantees a “Yes” or “No” answer within 3 days of package submission and is dedicated to this community.

LinkedIn: http://www.linkedin.com/in/steve-mariani-1261b8a