The SBA Rule Change No One Warned You About

The SBA Rule Change No One Warned You About is a must-watch for every entrepreneur, business buyer, or M&A professional navigating the world of SBA loans. In this episode, we break down a major SBA rule change that took effect overnight—no warning, no transition, just impact. You’ll learn how this unexpected SBA rule change affects business acquisitions, seller financing, and who qualifies as an investor. Discover why this matters, especially if you're planning to buy a business, raise capital, or structure seller financing with partners.

Understand what the SBA now requires and how the SBA rule change is already reshaping business acquisitions. Don’t get blindsided—stay informed and stay ahead.

Watch now if you’re serious about SBA loans, compliant deal structuring, and maximizing your success in M&A.

We talk about how to:
✅ Avoid getting blindsided by sudden SBA rule changes
✅ Structure seller financing the SBA won’t reject
✅ Navigate investor rules without triggering compliance flags
✅ Understand why SBA loans fail—and how to protect yourself
✅ Use personal guarantees wisely (and why you can’t escape them)
✅ Adapt when “creative lending” strategies get banned

00:00 Intro – Who is Colin McNulty?
02:00 SBA 7a loan sweet spots and real estate focus
06:30 Why 25% of business acquisitions struggle post-close
10:00 Industries most at risk (like commercial construction)
16:00 New rule: No non-US investors, no warning
18:00 Rolling equity is dead—seller must now guarantee loan
21:00 License-dependent businesses: red flags and risk
24:00 SBA lender types: Preferred vs General Processing
26:00 Updated equity rules – 5% cash + 5% seller note
30:00 SBA cracks down on “Do What You Do” flexibility
32:00 Guarantee fee reinstated across all loan sizes
35:00 SBA's $10M limit for manufacturing—what you need to know
39:00 Using multiple SBA loans & industry code loopholes
47:00 100% financing rules for expansion vs acquisition
50:30 MCA loans banned from SBA refinancing
54:00 Perry Passu loans pulled back—why lenders are cautious
57:00 Investor rule: No preferred returns until SBA loan is paid
01:01:00 Draw periods, multiple disbursements, and working capital rules

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