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About Kimberly A. Rayer

Best Practices: SBA Issues an Updated Servicing and Liquidation Actions 7(a) Lender Matrix

As SBA loan program rules continue to evolve, one of the most valuable tools available to 7(a) lenders is the SBA Servicing and Liquidation Actions Lender Matrix. While…
  • December 3, 2025
  • Kimberly A. Rayer

Best Practices: SBA Loan Program Eligibility – Key Points for SBA Lenders

The U.S. Small Business Administration (“SBA”) has strict eligibility standards for its 7(a) and 504 loan programs.  In the current SOP 50 10 (8), the SBA removed the…
  • August 5, 2025
  • Kimberly A. Rayer

Best Practices: When is a Loan Ready to be Sold on the Secondary Market?

Selling loans on the SBA 7(a) Loan Secondary Market is a critical part of some SBA Lenders' business strategy.  An important step to understanding the conditions upon which…
  • April 15, 2025
  • Kimberly A. Rayer

Best Practices: A Quick Summary of Recent Updates to SBA Loan Programs

December is not only one of the most magical times of the year, but also typically one of the busiest times for commercial lenders. With the demands of…
  • December 17, 2024
  • Kimberly A. Rayer

Best Practices: Recent Updates to SBA Form 1086 – Secondary Participation Guaranty Agreement

An updated SBA Form 1086 - Secondary Participation Guaranty Agreement, which is used to sell the guaranteed portion of an SBA 7(a) loan in the secondary market, was…
  • August 28, 2024
  • Kimberly A. Rayer

Best Practices: OCRM’s Review Process for SBA Lender Service Provider Agreements

Earlier this year the SBA Office of Credit Risk Management (“OCRM”) assumed responsibility for and rolled out a new pilot process for submission of Lender Service Provider Agreements…
  • May 1, 2024
  • Kimberly A. Rayer
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