The $10M Combined Cap Reminder + Myths That Kill Deals | June 9, 2026

This week on SBA Today, Paul and Tonya are tackling: ⏳ The Countdown to $10M: The historic $10M combined 7(a) and 504 loan limit officially takes effect on July 4, and lenders are actively structuring deals now.  🛑 The Sourcing Trap: Many borrowers assume creative deal structures or unverified assets satisfy equity rules, only to watch their deals freeze during final source-of-funds verification. ⚖️ Creative ≠ Compliant: There is a massive gap between what a lender finds acceptable and what the SBA will actually guarantee. 📜 What "Good" Equity Looks Like: Tonya maps out the clear boundaries between problematic funds and acceptable capital—proving that equity isn't just about money, it's about the paper trail.  How are you and your team preparing your pipeline for the upcoming July 4th limit changes?  🛠 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.