Bomb Goes Off on SBA | LoL #6

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 10 802:25 – What Changed and Why It Matters04:04 – New Down Payment & Injection Rules08:30 – Seller Carryback Standby Terms Explained13:16 – Full Guarantees for Minority Owners18:00 – End of GP Submissions for PLP Lenders23:17 – How Banks Will Respond to Increased Risk28:25 – Why SBA Is Eliminating MCA Refinance Options34:05 – The Bigger Impact on Borrowers & Business Owners41:01 – Feedback Loops, Policy Blind Spots & Final Thoughts49:00 – Wrap-Up & Call for Audience FeedbackQuestions or feedback? We'd love to hear from you.