SOP Updates + SBA’s 2025 Annual Review | Jan. 27, 2026 | SBA Today

2026-01-28

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This week on SBA Today, Paul and Tonya are breaking down: 📑 The 1919 Exit: The SBA is moving toward a fully electronic submission experience, eventually eliminating the physical Form 1919 altogether. 🔍 SOP Updates: SBA is now requiring two months of commercial bank statements for 7(a) Small loans to verify real cash flow. ✅ Agency Slim-Down: In 2025, the SBA reduced its workforce by 54%, closed 19 underutilized offices, and cut agency credit card spending by over half. 🪪 Fr...

This week on SBA Today, Paul and Tonya are breaking down:

📑 The 1919 Exit: The SBA is moving toward a fully electronic submission experience, eventually eliminating the physical Form 1919 altogether.
🔍 SOP Updates: SBA is now requiring two months of commercial bank statements for 7(a) Small loans to verify real cash flow.
✅ Agency Slim-Down: In 2025, the SBA reduced its workforce by 54%, closed 19 underutilized offices, and cut agency credit card spending by over half.
🪪 Fraud & Security: SBA is now cross-checking loan applicants with DHS and Treasury databases to hunt down billions in stolen funds.
⏸SBLC Moratorium: The Community Advantage SBLC expansion is on hold after defaults doubled the standard portfolio.

💡 Mark your calendars: The 7(a) Underwriting Call is set for February 11th. This is a must-attend for lenders looking to stay compliant with the new cash-flow focus.

🎧 Catch the full episode for the deep dive into the 2025 Annual Report and what's next for SBA technology.

This episode is sponsored by SBA Collective—empowering community banks and credit unions to compete and win in SBA lending.

Disclaimer: The views expressed on this show are our own and not necessarily the views of our employer.

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