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About Timothy D'Lauro

Best Practices: Criteria for Evaluating Management Agreements

One of the benchmarks of the SBA loan program is that SBA loans are made to operating small businesses and not passive entities. If a small business enters…
  • June 24, 2025
  • Timothy D'Lauro

Repurchasing an SBA Loan from the Secondary Market

An important and beneficial aspect of the SBA 7(a) Loan program is the lender’s ability to sell the guaranteed portion of an SBA Loan.  There is an active…
  • March 4, 2025
  • Timothy D'Lauro

Best Practices: Changes to Lender Responsibilities in SOP 50 57 3.1

On August 1, 2023, the SOP 50 57 3, 7(a) Loan Servicing and Liquidation became effective. SBA has published an update, SOP 50 57 3.1, which has been…
  • October 29, 2024
  • Timothy D'Lauro

Best Practices: Repurchasing an SBA Loan from the Secondary Market

An important and beneficial aspect of the SBA 7(a) Loan program is the lender’s ability to sell the guaranteed portion of an SBA Loan.  There is an active…
  • July 17, 2024
  • Timothy D'Lauro

Best Practices: Requirements for the Universal Purchase Package

On August 1, 2023, the SBA unveiled its new streamlined Guaranty Purchase package.  The new Universal Purchase Package (UPP) now takes the place of the former SBA 10…
  • March 13, 2024
  • Timothy D'Lauro

Best Practices: SBA Workouts under the 50 57 3

As interest rates have risen, so has the possibility that borrowers will no longer be able to make regularly scheduled loan payments. In the 50 57 3 Loan…
  • November 15, 2023
  • Timothy D'Lauro
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