Quadrupled Defaults, System Overhauls, & a New SOP | July 28, 2026 | SBA Today

Paul and Tonya are back on SBA Today to break down: 📉 The Default Surge: Small loan default ratios have skyrocketed, sparking massive friction over relaxed underwriting rules.  💻 Workflow Disruption: Will this fix the guardrails or completely choke up deal turn times? 🏛️ Green Card Lending Battle: Could we see an immediate reversal on borrower eligibility? 📋 The Next-Gen SOP: With acquisitions already under tight scrutiny, what structural curveballs are you expecting? With default numbers climbing so aggressively, do you think a more restrictive, technology-driven front end will restore bank confidence, or will it simply make it harder for legitimate small businesses to secure funding? 🛠 This episode is sponsored by SBA Collective — empowering community banks and credit unions to compete and win in SBA lending. Disclaimer: The views expressed on this show are our own and not necessarily those of our employer.