SBA SOP 50 10 8, B.Ch4.C.1 — Eligibility for International Trade Loans
Verbatim text of SBA SOP 50 10 8 section B.Ch4.C.1 (Eligibility for International Trade Loans), effective 2025-06-01. 3 provision(s) quoted from the SOP PDF. SBA's own document page serves superseded editions, and the SOP is further amended by policy notices — read this with the notices that touch it.
SBA lending corpus: SOP 50 10 and the active notices, with the expiry watcher.
Verbatim regulatory text
Verbatim provisions from SBA SOP 50 10 8, B.Ch4.C.1 — Eligibility for International Trade Loans — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
SOP 50 10 8 B.Ch4.C.1
1. Eligibility for International Trade Loans In addition to the core requirements identified in Section A, the Applicant must demonstrate either b and d, or c and d below in order to be eligible: The loan proceeds will expand existing export markets or develop new export markets. To establish this, the Applicant must submit an export business plan, including both a projection and narrative rationale that contains enough information to reasonably support the likelihood of expanded export sales. i. The plan should identify the amount of expected export sales.
SOP 50 10 8 B.Ch4.C.1.ii
ii. Indirect exports are considered exports for purposes of determining eligibility. The term “indirect export” applies to situations where, although the Applicant’s direct customer is located in the United States, that customer will be exporting the items/services it purchased from the Applicant to a foreign Buyer. iii. In such cases, the Applicant must provide documentation to the Lender from the Applicant’s domestic customer (typically in the form of a letter, invoice, order, or contract) that the goods or services are in fact being exported. iv. For all of the Applicant’s exports (including indirect exports), the Lender must determine if U.S. companies are authorized to conduct business with the country to which the goods or services will be shipped, pursuant to the Ex-Im Bank Country Limitation Schedule. A loan may not be made to a business that directly or indirectly exports to a foreign country which is listed as a prohibited country (Note #7) on the Country Limitation Schedule; OR That the Applicant is adversely affected by import competition. i. The Applicant must demonstrate injury attributable to increased competition with foreign firms in the relevant market. ii. A narrative explanation and financial statements showing that imported products or services which are directly competitive with those produced by the Applicant have contributed significantly to a decline in competitive position are required. iii. Alternatively, the Applicant can submit a finding of injury by the International Trade Commission or the Secretary of Commerce pursuant to
SOP 50 10 8 B.Ch3
Chapter 3 of Title II of the Trade Act of 1974 (19 U.S.C. 2341 et seq.), AND In addition to either paragraphs a or b above, the Applicant must demonstrate the loan will allow the Applicant to improve its competitive position. The Lender must include evidence in its credit memorandum to support the fact that the loan will allow the Applicant to improve its competitive position. For purposes of clarification, small businesses in the following NAICS Industry Subsector Codes cannot be financed using an International Trade Loan, but may be financed using other SBA 7(a) financial assistance: i. NAICS Industry Subsector Code 721 (Accommodation) ii. NAICS Industry Subsector Code 457 (Gasoline Stations).
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