Glossary · The loan itself
SOP 50 10
In short
The SBA's rulebook for lenders. The current version (50 10 8) took effect June 1, 2025. When rules change, this is the document that changed.
What it means in a deal
SOP 50 10 is the Standard Operating Procedure that translates federal regulations into daily lender instructions — equity injection percentages, standby conditions, franchise directory checks, guarantor rules, and change-of-ownership structures all live here. Lenders underwrite against it. When someone tells you 'the SBA requires X,' the SOP is usually the source. The current version is 50 10 8 (effective June 2025), so check that any guidance you're reading is current.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-16. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about SOP 50 10
- How is the business valued when buying out a 50% partner?
- Does the 10% equity injection need to be entirely cash from the buyer?
- What expenses are specifically excluded from counting towards the minimum 10% equity injection?
- What are the minimum collateral requirements for a 7(a) loan over $50,000?
- Can renovation costs for an acquired business premises count towards my required 10% equity injection?
- Can I get a very small loan, like under $50,000, with SBA 7(a)?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-16 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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