{"id":24196,"date":"2025-04-24T16:27:13","date_gmt":"2025-04-24T23:27:13","guid":{"rendered":"https:\/\/www.tmcfinancing.com\/?p=24196"},"modified":"2026-02-02T09:00:00","modified_gmt":"2026-02-02T17:00:00","slug":"sba-regulation-updates-june-2025","status":"publish","type":"post","link":"https:\/\/www.tmcfinancing.com\/es\/sba-regulation-updates-june-2025\/","title":{"rendered":"SBA 504 Loan Program: Regulation Updates"},"content":{"rendered":"<p>La <a href=\"https:\/\/www.sba.gov\/\" target=\"_blank\" rel=\"noopener\">Small Business Administration (SBA)<\/a> has released a revised SOP (Standard Operating Procedure), <strong>effective June 1, 2025<\/strong>, with several important changes impacting the <a href=\"https:\/\/www.tmcfinancing.com\/es\/business-financing\/why-sba-504\/\">SBA 504 commercial real estate loan program.<\/a> These updates are designed to provide greater transparency, improve consistency throughout the lending process, and ensure continued access to affordable financing for qualified small business owners.<\/p>\n<p>Please check back for the most up-to-date information and contact a <a href=\"https:\/\/www.tmcfinancing.com\/es\/contact\/\" target=\"_blank\" rel=\"noopener\">TMC Financing representative<\/a>\u00a0to discuss your project details.<\/p>\n<h2><span style=\"color: #000080;\"><strong>Summary of New Regulations<\/strong><\/span><\/h2>\n<ul>\n<li><strong>Franchise Directory Reinstated<\/strong> &#8211; Businesses operating under a franchise, license, dealer, or similar agreement must now be listed in the <a href=\"https:\/\/www.sba.gov\/document\/support-sba-franchise-directory\" target=\"_blank\" rel=\"noopener\">SBA Franchise Directory<\/a> to qualify for SBA 504 financing.<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Through July 31, 2025: SBA lenders <a href=\"https:\/\/www.sba.gov\/document\/sba-form-2462-addendum-franchise-agreement\" target=\"_blank\" rel=\"noopener\">must use the addendum<\/a> noted in the Directory (if applicable).<\/li>\n<li>By July 31, 2025: Franchisors and distributors must sign a new <a href=\"https:\/\/www.sba.gov\/document\/support-franchisor-certification\" target=\"_blank\" rel=\"noopener\">Franchisor or Distributor Certification<\/a><\/li>\n<li>On August 1, 2025: Any entity <em>not certified<\/em> will be removed from the Directory.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><strong>Eligibility Requirements &#8211; <\/strong>SBA has clarified and standardized eligibility criteria for SBA 504 financing to ensure only actively operating, qualified businesses are eligible.<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Business must be active and operational \u2014 not passive (e.g., real estate holding companies or management-only entities), shell companies, or pass-through entities<\/li>\n<li>Must operate in an SBA-qualified industry<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><strong>U.S Citizenship Required<\/strong> &#8211; 100% of direct and indirect ownership in the business must be a U.S Citizen or an unconditional Lawful Permanent Resident (LPR).\u00a0 Individuals holding conditional LPR status are not eligible for a 504 loan.<\/li>\n<\/ul>\n<ul>\n<li><strong>Veteran-Owned Businesses \u2013 <\/strong>SBA 504 loan applications submitted by veteran-owned businesses will be prioritized. CDCs and Third-Party Lenders are encouraged to adopt the same practice within their internal workflows.<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Learn more about TMC Financing\u2019s <a href=\"https:\/\/www.tmcfinancing.com\/es\/business-loans-for-veterans\/\" target=\"_blank\" rel=\"noopener\">504 Vet Loan Advantage Program<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li><strong>Lending Cap on Energy Efficient Projects &#8211; <\/strong>SBA has reinstated the $16.5 million cap on total outstanding debentures for borrowers participating in <a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/sba-energy-efficiency-financing\/\" target=\"_blank\" rel=\"noopener\">Programa de energ\u00eda verde SBA 504<\/a>.<\/li>\n<\/ul>\n<ul>\n<li><strong>Creditworthiness &#8211; <\/strong>SBA aims to refocus in on traditional credit factors like cash flow, equity and\u00a0 business viability to promote responsible lending practices and reduce risk.<\/li>\n<\/ul>\n<h2><span style=\"color: #000080;\"><strong>SBA 504 Refinance Program Updates<\/strong><\/span><\/h2>\n<ul>\n<li>Existing debt must now be current for 12 months (previously 6 months).<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>If the debt is younger than 12 months, it must be current for its full term to be eligible for<a href=\"https:\/\/www.tmcfinancing.com\/es\/sba-504-loans\/refinance-commercial-mortgage-debt\/\" target=\"_blank\" rel=\"noopener\"> Pr\u00e9stamo de refinanciamiento SBA 504 <\/a><em>(SBA may issue further technical guidance on this requirement)<\/em>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.sba.gov\/document\/sop-50-10-lender-development-company-loan-programs\" target=\"_blank\" rel=\"noopener\">View Full Release on SBA website<\/a><\/p>\n<p><em>*All SBA 504 information subject to full pending SBA implementation guidance \u2013 required regulations, notices, and revised forms. The regulations surrounding a CDC\u2019s ability to implement the new changes are still being finalized. The SBA is expected to provide more information<\/em><em>\u202fas soon as it is available.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>The Small Business Administration (SBA) has released a revised SOP (Standard Operating Procedure), effective June 1, 2025, with several important changes impacting the SBA 504 commercial real estate loan program&#8230;.<\/p>","protected":false},"author":3,"featured_media":24197,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[25,6556,90,178],"tags":[380,8798,8878,8643,8912,8637,320,360,408],"class_list":["post-24196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-updates","category-refinance","category-sba","category-sba-101","tag-380","tag-eligibility","tag-fy25","tag-green-energy","tag-process","tag-program-changes","tag-sba","tag-sop","tag-veteran"],"acf":{"related_posts":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.3 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SBA 504 Loan Program: Regulation Updates | TMC Financing<\/title>\n<meta name=\"description\" content=\"The SBA has released new 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