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About Ethan W. Smith

Best Practices: SOP 50 10 7.1- Three Key Takeaways

Yesterday the U.S. Small Business Administration (“SBA”) released Standard Operating Procedure 50 10 7.1 (the “SOP”).  The SOP was issued in lieu of the announced but unissued Technical…
  • October 25, 2023
  • Ethan W. Smith

Best Practices: Don’t Skimp on SBA Eligibility Determinations

“If you keep your eye on the profit, you're going to skimp on the product. But if you focus on making really great products, then the profits will…
  • September 6, 2023
  • Ethan W. Smith

Best Practices: SOP 50 10 7 – “All That Glitters Is Not Gold”

This famous line from Shakespeare’s Merchant of Venice seems an odd way to begin an article on SBA lending.  Nevertheless, SBA released the long-awaited SOP 50 10 7 (“SOP”) on…
  • May 17, 2023
  • Ethan W. Smith

Best Practices: Two Major New SBA Rules Take Effect in Mid-May

This week SBA has published two new final rules that are scheduled to take effect in Mid-May, 2023. The final rule “Affiliation and Lending Criteria for the SBA Business Loan…
  • April 12, 2023
  • Ethan W. Smith

Best Practices: The Burden of Proving Your Guaranty Purchase Case

In the American criminal justice system, defendants are afforded a presumption of innocence which is derived from the fifth and fourteenth amendments to the Constitution. This standard, which has been…
  • January 4, 2023
  • Ethan W. Smith

Best Practices: Meeting SBA’s Prudent Liquidation Deadline

SBA Standard Operating Procedure 50 57 (2) requires SBA lenders to complete liquidation of their 7(a) loans in a “prompt, cost effective and commercially reasonable manner.”  This concept, defined by…
  • August 31, 2022
  • Ethan W. Smith
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