SBA SOP 50 10 8, B.Ch4.A.5 — Submission of Application for Guaranty for Export Express
Verbatim text of SBA SOP 50 10 8 section B.Ch4.A.5 (Submission of Application for Guaranty for Export Express), effective 2025-06-01. 4 provision(s) quoted from the SOP PDF. SBA's own document page serves superseded editions, and the SOP is further amended by policy notices — read this with the notices that touch it.
Verbatim regulatory text
Verbatim provisions from SBA SOP 50 10 8, B.Ch4.A.5 — Submission of Application for Guaranty for Export Express — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
SOP 50 10 8 B.Ch4.A.5
5. Submission of Application for Guaranty for Export Express Lenders with Export Express authority: • May submit questions on a specific loan application, including the names of the principals and the address of the project, to [email protected]. Provide enough information on the specific application to avoid delays in responses. Lender is to provide a summary of the facts – SBA will not be reviewing the entire case file or multiple attachments. • Must make a request for an exception for any type of 7(a) loan to [email protected], providing detailed information about the application including the names of the principals, address of the project, and a discussion of the policy for which the exception is being requested along with an explanation why the exception to policy should be granted. If SBA approves the exception, the Lender will receive an email confirming the approval, and the Lender must proceed to process the application under delegated authority. The Lender must retain the approval email in the loan file. Exceptions to policy will be considered on a case-by-case basis, and the decision will only apply to the specific request. The decision must be documented in the appropriate loan file. Lender is to provide a summary of the facts – SBA will not be reviewing the entire case file or multiple attachments. • The [email protected] email account is only for Lenders with delegated authority that have questions about a specific loan application and is not to be used for general policy questions, which should be sent to [email protected].
SOP 50 10 8 B.Ch4.A.5.a
a. Contents of Lender’s Application for Guaranty Lender must list in E-Tran at least 81% of the total direct and indirect ownership of the Applicant. The ownership percentage of married spouses and minor children must be combined. SBA Form 1919 includes information on the number of existing employees at the time of application and the number of jobs to be created and/or retained as a result of the loan. • Number of existing employees at the time of application is calculated in accordance with 13 CFR § 121.106, which states in part that SBA counts all individuals employed on a full-time, part-time, or other basis (i.e., jobs are not converted to full-time equivalents). • Jobs “created” means the number of full-time (or equivalent) employees that the small business expects to hire as a result of the loan. • Jobs “retained” means the number of full-time (or equivalent) employees on the payroll of the business at the time of application that will be lost if the loan is not approved. • “Employees” does not include contractors reported via IRS Form 1099. i. Export Express Processing: a) Program forms can be found at www.sba.gov/document. b) All Export Express loan files must include the forms and information the Lender requires in order to make an informed credit decision. Any application form obtained by the Lender from the applicant must be certified by the Applicant as true and complete.
SOP 50 10 8 B.Ch4.A.5.a.ii
ii. Export Express Lenders must obtain and retain all documentation in their file. Lenders must submit the information required in SBA Form 1919 and loan terms and conditions into E-Tran. a) Lender must submit to E-Tran all terms and conditions the E-Tran data fields require. b) SBA Form 1919: A separate SBA Form 1919 for each Co-Borrower must be completed and signed by the authorized representative of the Applicant and submitted to the Lender. The aggregate amounts of the “Purpose of the loan” sections across all SBA Forms 1919 should equal the total amount of the loan request. Only the information required on SBA Form 1919, and not the form itself, must be submitted into E-Tran, although the Lender must obtain and retain the signed form in its file. c) Lender’s Credit Memorandum must address all requirements detailed in Paragraph 4, Credit Standards, above. d) Tax transcripts in accordance with Section A, Ch. 5, Para. B, IRS Tax Transcript/Verification of Financial Information: If the Lender does not use business financial information to determine creditworthiness, such as with some credit scoring models, Lender must obtain IRS tax transcripts in order to verify that the returns were filed and for the purpose of determining Applicant’s size (but reconciliation of the tax transcripts is not required). e) Debt Refinancing. Lenders must maintain copies of all notes being refinanced, security agreements, leases, transcripts for the most recent 12 months (to prove debt being refinanced is current) or other documentation evidencing the debt to be refinanced in the loan file. f) Management agreements, if applicable, and if the management agreement is not part of the franchise disclosure documents for a brand listed on the Franchise Directory. See Section A, Ch. 1, Para. E.3.e. on management agreements. g) Lender’s environmental questionnaire (if applicable – see Section A, Ch. 5, Para. E, Environmental Policies and Procedures). h) Franchise: For any Applicant operating under a franchise, license or similar agreement, refer to Section A, Ch. 1, Para. G., “Franchises”. i) Documentation of U.S. National and/or LPR/USCIS status verification – Lenders must receive verification of the status of each alien required to submit USCIS documents prior to submission of the application or request for loan number to SBA. Lender may submit a copy of the verification received from USCIS or SBA-SLPC or confirm in its credit memorandum that verification has been obtained. Lender must retain documentation proving a U.S. National’s status (birth certificate and/or passport) in the loan file.
SOP 50 10 8 B.Ch4.A.5.b
b. Where to Submit Applications for Guaranty Export Express Lenders must submit guaranty applications via E-Tran, retaining all required documentation in the Lender’s loan file. See Chapter 5, E-Tran Terms and Conditions through Disbursement for all 7(a) Loans, in this Section, for SBA requirements for the E-Tran Terms and Conditions, post-approval and pre-disbursement requests for changes, transfer of guaranty between participating Lenders, and loan closing and disbursement.
Operationalizing SBA SOP 50 10 8, B.Ch4.A.5 — Submission of Application for Guaranty for Export Express
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Source of record: https://claudeforcompliance.com/regs/sba-sop-b-ch4-a-5/
· register sba-sop-b-ch4-a-5 · Claude for Compliance. Free to read and download;
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