Get Free ConsultationGet the SOP 50 10 8 vs SOP 50 10 8.1 Annotated Comparison
Every substantive change between the SBA rules in force today and the rules that govern every loan number issued on or after October 1, 2026. 597 documented differences, each with the old rule, the new rule, and citations to paragraph and page. Tell us a little about your search and the guide opens right here.
Open it in your browser or save the PDF. It runs 270 pages, so start with the executive summary and the at a glance table.
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What's inside
Four parts, built from the two SOPs themselves and from every SBA notice issued between them.
597 changes, side by side
Old rule on the left, new rule on the right, with a citation to paragraph and page in both documents and a PCA note on what it does to a live deal.
The new acquisition rulebook
Four deal categories, 1.25 coverage on history, a 10 percent injection that cannot be waived, and a 10 year amortization cap.
The $3 million trigger
Who has to order the report, what a cash proof covers, and how a shortfall in QoE based coverage cuts the loan.
Where every rule moved
130 entries mapping the old paragraph numbers to Appendices 14 through 20 and the renumbered chapters.
Sixteen months of notices
Every SBA procedural, policy and information notice between the two SOPs, with control numbers and which ones 8.1 absorbed.
Where the new text breaks
Twenty places where SOP 50 10 8.1 contradicts itself, points to a paragraph that no longer exists, or drops a rule.
Have a deal that has to beat October 1?
A loan number issued before October 1, 2026 is underwritten under the old rules. Bring us the deal and we will tell you which side of the line it lands on.
