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About Michelle Sergent Kaas

Best Practices: A Review of Equity Injection Requirements Under SOP 50 10 8

With the issuance of SOP 50 10 8, effective June 1, 2025, the SBA will be returning to well-established principles of equity injection.  The SBA has eliminated the…
  • May 6, 2025
  • Michelle Sergent Kaas

Best Practices: Refresher on International Trade Loans Under SOP 50 10 7.1

A borrower located in the United States that is engaged in international business operations may qualify for an International Trade Loan.  An International Trade Loan can be used…
  • November 5, 2024
  • Michelle Sergent Kaas

Best Practices: Proceed with Caution: Applicant’s Certifications

SOP 50 10 7.1 provides several situations where SBA lenders can rely upon borrower certifications to determine loan eligibility and/or for loan approval purposes.  Although this is a…
  • July 24, 2024
  • Michelle Sergent Kaas

Best Practices: ESOPs Under SOP 50 10 7.1

SOP 50 10 7.1 has modified requirements on ESOP lending and made it easier for lenders to provide financing to ESOPs and/or financing resulting in the ESOP purchasing…
  • March 20, 2024
  • Michelle Sergent Kaas

Best Practices: The Basics of Acquired Collateral Under SOP 50 57 3

With rising interest rates, many lenders are experiencing a rise in defaults and liquidations.  Sometimes, liquidations result in the lender having to acquire title to real property or…
  • November 29, 2023
  • Michelle Sergent Kaas

Best Practices: Appraisal Requirements Under SOP 50 10 7

SOP 50 10 7 will apply to all SBA loan applications received by the SBA on or after August 1, 2023.  SOP 50 10 7 sets forth real…
  • August 1, 2023
  • Michelle Sergent Kaas
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