SBA SOP 50 10 8.1, A.Ch1 — Primary Applicant Eligibility Requirements

sba-sop81-a-ch1

Verbatim text of SBA SOP 50 10 8.1 (with Technical Policy Updates) section A.Ch1 (Primary Applicant Eligibility Requirements). Effective 2026-10-01 for applications received by SBA on or after that date; SOP 50 10 8 governs applications submitted through 2026-09-30. 1 provision(s) quoted from SBA's .docx.

This register: .xlsx .csv

See also

SBA lending corpus: SOP 50 10 and the active notices, with the expiry watcher.

Verbatim regulatory text (1)

Verbatim provisions from SBA SOP 50 10 8.1, A.Ch1 — Primary Applicant Eligibility Requirements — 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 8.1 A.Ch1

Effective 2026-10-01 · publisher's stamp for this provision

Chapter 1: Primary Applicant Eligibility Requirements Determination of Applicant eligibility is a required and critical step in the SBA loan process and should be completed and documented by the Lender as early as practicable. This Chapter addresses the core program eligibility requirements that apply to all loans made under either the 7(a) or the 504 Programs. The Applicant must meet all core requirements at the time of application and throughout loan closing and disbursement. See Paragraph D of this Chapter for more information on size standards. The SBA’s lending programs qualify as “Special-Purpose Credit Programs” under the Equal Credit Opportunity Act (ECOA). This regulation stipulates that information pertaining to the Applicant’s marital status, sources of personal income, alimony, child support, and spouse’s financial resources can be obtained and considered in determining program eligibility. Therefore, the SBA Lender has the right to obtain the signature of an Applicant’s spouse (whether an owner of the business or not) or other Person if it is required by Federal or State law or to obtain a valid lien on collateral or for other reasons to protect SBA and SBA Lender interests. Eligibility requirements for all Applicants for SBA business loans are set forth in 13 CFR § 120.100 and are discussed below. For all 7(a) and 504 loans, the Applicant and project must meet all Loan Program Requirements, defined in 13 CFR § 120.10 as requirements imposed upon Lenders or CDCs by statute; SBA and other applicable government-wide regulations; any agreement the Lender or CDC has executed with SBA or to which the Lender or CDC is subject; SBA Standard Operating Procedures (SOPs); Federal Register notices; official SBA notices and forms applicable to the 7(a) Loan Program, 504 Loan Program, the SBA Terms and Conditions issued and revised by SBA from time to time. For CDCs, this term also includes requirements imposed by Debentures, as that term is defined in 13 CFR § 120.802.

Source: SBA SOP 50 10 8.1, A.Ch1 — Primary Applicant Eligibility Requirements · source URL · snapshot 0fb0c4692cf52938

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Source of record: https://claudeforcompliance.com/regs/sba-sop81-a-ch1/ · register sba-sop81-a-ch1 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.