We know it can be confusing and a bit overwhelming. With a recent sea of changes to the SBA program, it might feel impossible to keep your head above water. Our experienced Gulf Coast Small Business Lending team is here to help you navigate the current requirements and guidelines.



While this is NOT intended to be comprehensive (after all, we are limited by space), you can always reach out to us for more details about any changes. Here’s one major change that we want to make sure you’re aware of:

Updated Equity Requirements for a Complete Change of Ownership – SBA now requires an equity injection of 10% of the total project costs. Seller debt can only be counted as part of the required equity injection if it is on full standby for the life of the SBA loan and it does not exceed half of the required equity injection. 

Should you have any questions about how this change, or any other changes, will impact your deals, please reach out to our experienced team of SBA professionals to discuss. Experience matters, especially in SBA lending. Never more so than now. Our team stands ready to help navigate the changes. Gulf Coast Small Business Lending continues to find ways to say YES. LET’S TALK!

This summary reflects general information based on newly announced changes to SBA program guidelines. For complete and up-to-date information, visit SBA.gov or contact your Gulf Coast Small Business Lending representative.

Products and services offered by Gulf Coast Small Business Lending, a division of Gulf Coast Bank & Trust Co. This is not a commitment to lend. Loans are subject to credit and collateral approval. Additional terms, restrictions and limitations may apply. Loans are only available to U.S. citizens and residents.

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