{"id":10407,"date":"2025-10-29T12:00:29","date_gmt":"2025-10-29T16:00:29","guid":{"rendered":"https:\/\/www.lee-associates.com\/southflorida\/?p=10407"},"modified":"2025-10-30T17:21:09","modified_gmt":"2025-10-30T21:21:09","slug":"lee-connections-the-sba-loan-shake-up-what-buyers-and-sellers-should-know","status":"publish","type":"post","link":"https:\/\/www.lee-associates.com\/southflorida\/2025\/10\/29\/lee-connections-the-sba-loan-shake-up-what-buyers-and-sellers-should-know\/","title":{"rendered":"The SBA Loan Shake-Up &#8211; What Buyers (and Sellers) Should Know"},"content":{"rendered":"<div id=\"pl-10407\"  class=\"panel-layout\" ><div id=\"pg-10407-0\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-10407-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-10407-0-0-0\" class=\"so-panel widget widget_sow-image panel-first-child\" data-index=\"0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-image so-widget-sow-image-default-c67d20f9f743-10407\"\n\t\t\t\n\t\t>\n<div class=\"sow-image-container\">\n\t\t<img \n\tsrc=\"https:\/\/www.lee-associates.com\/southflorida\/wp-content\/uploads\/sites\/62\/2025\/06\/PR-Banner-Lee-Connections.png\" width=\"1250\" height=\"521\" srcset=\"https:\/\/www.lee-associates.com\/southflorida\/wp-content\/uploads\/sites\/62\/2025\/06\/PR-Banner-Lee-Connections.png 1250w, https:\/\/www.lee-associates.com\/southflorida\/wp-content\/uploads\/sites\/62\/2025\/06\/PR-Banner-Lee-Connections-512x213.png 512w, https:\/\/www.lee-associates.com\/southflorida\/wp-content\/uploads\/sites\/62\/2025\/06\/PR-Banner-Lee-Connections-768x320.png 768w\" sizes=\"(max-width: 1250px) 100vw, 1250px\" title=\"Beyond the Transaction - The SBA Loan Shake-Up\" alt=\"Lee Connections - Value-Add Beyond the Transaction - The SBA Loan Shake-Up\" \t\tclass=\"so-widget-image\"\/>\n\t<\/div>\n\n<\/div><\/div><div id=\"panel-10407-0-0-1\" class=\"so-panel widget widget_sow-editor\" data-index=\"1\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h2 data-start=\"285\" data-end=\"999\"><strong>The SBA Loan Shake-Up 2025:<\/strong><\/h2>\n<h2 data-start=\"285\" data-end=\"999\">What Buyers (and Sellers) Should Know<\/h2>\n<p>&nbsp;<\/p>\n<p><em>November 3, 2025<\/em><\/p>\n<p>This year, the U.S. Small Business Administration (SBA) has rolled out sweeping updates to its flagship 7(a) and 504 loan programs, reshaping how small businesses finance commercial real estate purchases. Combined with temporary interruptions caused by the ongoing federal government shutdown, these changes are affecting lending patterns and timelines across the country. For South Florida business owners and sellers, understanding these dynamics is key to navigating transactions successfully in 2025.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>In the New Era of SBA Lending<\/strong><\/p>\n<p>The current federal government shutdown has temporarily halted new SBA loan approvals and slowed activity across multiple lending programs. According to the SBA, approximately <a href=\"https:\/\/www.globenewswire.com\/news-release\/2025\/10\/21\/3170697\/0\/en\/SBA-Releases-State-Level-Analysis-of-Shutdown-Impact-on-Small-Business-Lending.html\">320 small businesses per day are being delayed<\/a> from accessing nearly $170 million in financing due to the shutdown\u2019s pause in loan processing. Nationally, an estimated <a href=\"https:\/\/www.forbes.com\/sites\/nataliemadeiracofield\/2025\/10\/23\/how-the-shutdown-is-freezing-25-billion-in-small-business-loans\/\">$2.5 billion in small business financing is currently on hold<\/a>. That means many qualified buyers who planned to use SBA financing for commercial property purchases are now facing extended timelines, added uncertainty, or the need to consider creative interim financing solutions.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p style=\"color: #98002e\"><strong>How Lee &amp; Associates South Florida Helps Clients Work Around This<\/strong><\/p>\n<p>While the shutdown\u2019s impact is largely procedural, meaning loans are expected to resume once government operations are restored, deals in progress still face disruption. At Lee &amp; Associates South Florida, our team and our trusted lending partners are <strong>taking proactive steps to keep transactions moving<\/strong>, including:<\/p>\n<ul>\n<li>Coordinating early prequalification with lenders ahead of reopening.<\/li>\n<li>Exploring conventional or creative financing solutions such as bridge loan structures or seller-held financing to secure properties while waiting for SBA approvals.<\/li>\n<li>Identifying private or mezzanine debt options to fill temporary funding gaps.<\/li>\n<li>Advising sellers on how to structure contingencies or flexible closing timelines to retain qualified buyers through the pause.<\/li>\n<\/ul>\n<p>Even amid this uncertainty, the long-term fundamentals of SBA lending and South Florida\u2019s strong owner-user demand remain sound.<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n<p><strong>Key Changes to Know in SBA Lending (Effective June 1, 2025)<\/strong><\/p>\n<p>Once operations resume, SBA lenders are operating under the new Standard Operating Procedures (SOP 50 10 8), which tighten underwriting standards and formalize the rollback of several temporary COVID-era flexibilities. Highlights include:<\/p>\n<ul>\n<li>Stricter underwriting: The SBA has rescinded the \u201cDo What You Do\u201d flexibility, requiring lenders to follow SBA-defined credit standards instead of internal guidelines.<\/li>\n<li>Reinstated fees: Guarantee and lender fees that had been waived in prior years are back, modestly raising borrowing costs.<\/li>\n<li>Tighter equity and seller note rules: Borrowers must provide verifiable equity (typically 10%), and seller financing must be on SBA-approved standby terms.<\/li>\n<li>More documentation: Lenders now require additional business financials, projections, and property-related due diligence.<\/li>\n<li>Expanded refinance options: The 504 program now allows more refinancing of existing debt, including prior SBA loans, which may help owner-occupiers restructure at better terms.<\/li>\n<\/ul>\n<p>These changes reflect a government-wide return to more disciplined credit standards following a period of looser oversight during the pandemic recovery.<\/p>\n<\/div>\n<\/div><\/div><div id=\"panel-10407-0-0-2\" class=\"so-panel widget widget_sow-editor\" data-index=\"2\" ><div class=\"panel-widget-style panel-widget-style-for-10407-0-0-2\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\"><strong>What It Means for Owner-User Buyers<\/strong><\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>While the process has become more stringent, SBA loans remain one of the best options for small businesses seeking to own their real estate.<\/p>\n<p><strong>Buyer Implications:<\/strong><\/p>\n<ul>\n<li>Expect longer approval timelines and more documentation requests.<\/li>\n<li>Maintain stronger liquidity \u2014 lenders will prioritize borrowers with solid cash flow and reserves.<\/li>\n<li>Construction or renovation components must be backed by detailed cost estimates and vetted contractors.<\/li>\n<li>Some lenders may temporarily shift toward 504 loans (which rely on certified development companies) since those programs tend to resume faster post-shutdown.<\/li>\n<\/ul>\n<p><strong>Still, the benefits remain compelling:<\/strong><\/p>\n<ul>\n<li>Low down payments (as little as 10%)<\/li>\n<li>Long-term fixed interest rates (up to 25 years)<\/li>\n<li>Occupancy-based eligibility that allows businesses to stop leasing and start building equity<\/li>\n<\/ul>\n<p>For South Florida businesses facing rising lease rates, even under tighter conditions, SBA financing continues to offer a path toward stability and long-term cost control.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"panel-10407-0-0-3\" class=\"so-panel widget widget_sow-editor\" data-index=\"3\" ><div class=\"panel-widget-style panel-widget-style-for-10407-0-0-3\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\"><strong>What It Means for Sellers<\/strong><\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>The evolving SBA environment also affects how sellers should approach their buyer pool and transaction strategy.<\/p>\n<ul>\n<li><strong>Expect fewer but more qualified SBA buyers.<\/strong> Lenders are being more selective, which narrows the field but raises the financial quality of potential purchasers.<\/li>\n<li><strong>Build in extra time.<\/strong> Between the shutdown delays and new underwriting scrutiny, escrow periods of 60\u201390 days are becoming the norm for SBA-backed deals.<\/li>\n<li><strong>Prepare your property documentation early.<\/strong> Environmental reports, rent rolls, and income statements will be needed sooner in the process. Having them ready can help prevent buyer hesitation or lender bottlenecks.<\/li>\n<li><strong>Consider creative solutions.<\/strong> Temporary seller-held financing, bridge loans, or extended closing periods can help retain committed buyers through SBA processing slowdowns.<\/li>\n<\/ul>\n<\/div>\n<\/div><\/div><\/div><div id=\"panel-10407-0-0-4\" class=\"so-panel widget widget_sow-editor panel-last-child\" data-index=\"4\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t><h3 class=\"widget-title\"><strong>The Bigger Picture for 2025<\/strong><\/h3>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p>Even with these short-term challenges, the fundamentals of SBA financing remain strong. According to the SBA\u2019s 2024 report, total guaranteed lending <a href=\"https:\/\/apnews.com\/article\/5c8ab76c0ce11f05fa86a5623480731d\">rose to $56 billion last fiscal year<\/a> \u2014 a 7% year-over-year increase. That growth underscores continued demand from small businesses for ownership, despite higher rates and added regulation.<\/p>\n<p>In South Florida\u2019s dynamic commercial market, where leasing costs remain elevated and property supply is tight, the incentive for owner-occupiers to buy remains powerful. And for sellers, understanding these financing realities and partnering with brokers familiar with SBA lending nuances is key to navigating the new lending environment.<\/p>\n<p>In Summary, the 2025 SBA lending landscape is more structured, more cautious, and temporarily slower due to federal disruptions, but it\u2019s far from closed. With the right preparation and creative capital planning, business owners can still achieve their goal of owning their property. And for sellers, aligning expectations and staying flexible can mean the difference between a delayed deal and a successful closing.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><div id=\"pg-10407-1\"  class=\"panel-grid panel-no-style\" ><div id=\"pgc-10407-1-0\"  class=\"panel-grid-cell\" ><div id=\"panel-10407-1-0-0\" class=\"so-panel widget widget_siteorigin-panels-builder panel-first-child\" data-index=\"5\" ><div id=\"pl-w6903d6c58b8b3\"  class=\"panel-layout\" ><div id=\"pg-w6903d6c58b8b3-0\"  class=\"panel-grid panel-has-style\" ><div class=\"panel-row-style panel-row-style-for-w6903d6c58b8b3-0\" ><div id=\"pgc-w6903d6c58b8b3-0-0\"  class=\"panel-grid-cell\" ><div id=\"panel-w6903d6c58b8b3-0-0-0\" class=\"so-panel widget widget_sow-headline panel-first-child\" data-index=\"0\" ><div class=\"panel-widget-style panel-widget-style-for-w6903d6c58b8b3-0-0-0\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-headline so-widget-sow-headline-default-ec1eb4cebc48\"\n\t\t\t\n\t\t><div class=\"sow-headline-container \">\n\t\t\t\t\t\t\t<h2 class=\"sow-headline\">\n\t\t\t\t\t\tHOW <strong>LEE &amp; ASSOCIATES SOUTH FLORIDA<\/strong> CAN HELP\t\t\t\t\t\t<\/h2>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"decoration\">\n\t\t\t\t\t\t<div class=\"decoration-inside\"><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div><\/div><\/div><div id=\"panel-w6903d6c58b8b3-0-0-1\" class=\"so-panel widget widget_sow-editor\" data-index=\"1\" ><div class=\"panel-widget-style panel-widget-style-for-w6903d6c58b8b3-0-0-1\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<p data-start=\"340\" data-end=\"623\">Our commercial real estate brokerage team goes beyond matching buyers and sellers. We help business owners and investors <strong data-start=\"462\" data-end=\"504\">navigate their financing options with confidence<\/strong> by connecting them with trusted local and national lending partners.<\/p>\n<p data-start=\"625\" data-end=\"805\">Whether you\u2019re exploring property ownership for your business or preparing to sell to an SBA-qualified buyer, our team offers hands-on support throughout every step of the process:<\/p>\n<ul data-start=\"807\" data-end=\"1272\">\n<li data-start=\"807\" data-end=\"901\">\n<p data-start=\"809\" data-end=\"901\"><strong data-start=\"809\" data-end=\"850\">Initial financing feasibility reviews<\/strong> to assess SBA eligibility and ownership benefits<\/p>\n<\/li>\n<li data-start=\"902\" data-end=\"1003\">\n<p data-start=\"904\" data-end=\"1003\"><strong data-start=\"904\" data-end=\"948\">Introductions to specialized SBA lenders<\/strong> and financial partners for tailored prequalification<\/p>\n<\/li>\n<li data-start=\"1004\" data-end=\"1163\">\n<p data-start=\"1006\" data-end=\"1163\"><strong data-start=\"1006\" data-end=\"1041\">Guidance on creative structures<\/strong>, including bridge loans, seller participation, or alternative funding solutions during government or market disruptions<\/p>\n<\/li>\n<li data-start=\"1164\" data-end=\"1272\">\n<p data-start=\"1166\" data-end=\"1272\"><strong data-start=\"1166\" data-end=\"1205\">End-to-end transaction coordination<\/strong> to ensure timely communication between buyer, seller, and lender<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1274\" data-end=\"1464\">We\u2019ll handle the details from aligning the right financing strategy to coordinating closing, so you can move forward with clarity and confidence in today\u2019s evolving SBA lending landscape.<\/p>\n<\/div>\n<\/div><\/div><\/div><div id=\"panel-w6903d6c58b8b3-0-0-2\" class=\"so-panel widget widget_sow-headline\" data-index=\"2\" ><div class=\"panel-widget-style panel-widget-style-for-w6903d6c58b8b3-0-0-2\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-headline so-widget-sow-headline-default-fc1f5c36e907\"\n\t\t\t\n\t\t><div class=\"sow-headline-container \">\n\t\t\t\t\t\t\t<h3 class=\"sow-headline\">\n\t\t\t\t\t\tReady to Discuss Your SBA Loan Options to Acquire Real Estate for Your Business?\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t<\/div>\n<\/div><\/div><\/div><div id=\"panel-w6903d6c58b8b3-0-0-3\" class=\"so-panel widget widget_sow-contact-form panel-last-child\" data-index=\"3\" ><div class=\"panel-widget-style panel-widget-style-for-w6903d6c58b8b3-0-0-3\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-contact-form so-widget-sow-contact-form-default-9d65c5d4c157\"\n\t\t\t\n\t\t>\t<form\n\t\taction=\"\/southflorida\/wp-json\/wp\/v2\/posts\/10407\"\n\t\tmethod=\"POST\"\n\t\tclass=\"sow-contact-form\"\n\t\tid=\"contact-form-e326\"\n\t>\n\n\t\t\n\t\t\t\t\t<div class=\"sow-form-field sow-form-field-name\">\n\t\t\t\t<label class=\"sow-form-field-label-above\" for=\"sow-contact-form-field-name-1\">\n\t\t\t\t<strong>\n\t\t\t\t\tName\t\t\t\t\t\t\t\t\t<\/strong>\n\t\t\t<\/label>\n\t\t\t\t\t\t\t<div class=\"sow-field-container\">\n\t\t\t\t\t\t\t<input\n\t\t\ttype=\"text\"\n\t\t\tname=\"name-1\"\n\t\t\tid=\"sow-contact-form-field-name-1\"\n\t\t\tvalue=\"\"\n\t\t\tclass=\"sow-text-field\"\n\t\t\t\t\t\t\t\t\/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"sow-form-field sow-form-field-email\">\n\t\t\t\t<label class=\"sow-form-field-label-above\" for=\"sow-contact-form-field-email-1\">\n\t\t\t\t<strong>\n\t\t\t\t\tEmail\t\t\t\t\t\t\t\t\t<\/strong>\n\t\t\t<\/label>\n\t\t\t\t\t\t\t<div class=\"sow-field-container\">\n\t\t\t\t\t\t\t<input\n\t\t\ttype=\"email\"\n\t\t\tname=\"email-1\"\n\t\t\tid=\"sow-contact-form-field-email-1\"\n\t\t\tvalue=\"\"\n\t\t\tclass=\"sow-text-field\"\t\t\t\t\t\t\t\t\/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"sow-form-field sow-form-field-tel\">\n\t\t\t\t<label class=\"sow-form-field-label-above\" for=\"sow-contact-form-field-phone-number-1\">\n\t\t\t\t<strong>\n\t\t\t\t\tPhone Number\t\t\t\t\t\t\t\t\t<\/strong>\n\t\t\t<\/label>\n\t\t\t\t\t\t\t<div class=\"sow-field-container\">\n\t\t\t\t\t\t\t<input\n\t\t\ttype=\"tel\"\n\t\t\tname=\"phone-number-1\"\n\t\t\tid=\"sow-contact-form-field-phone-number-1\"\n\t\t\tvalue=\"\"\n\t\t\tclass=\"sow-text-field\"\t\t\t\t\t\t\t\t\/>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<input\n\t\t\t\ttype=\"text\"\n\t\t\t\tname=\"sow-name\"\n\t\t\t\tclass=\"sow-text-field\"\n\t\t\t\tstyle=\"display: none !important; visibility: hidden !important;\"\n\t\t\t\tautocomplete=\"off\"\n\t\t\t\taria-hidden=\"true\"\n\t\t\t>\n\t\t\n\t\t\n\t\t<div class=\"sow-submit-wrapper \n\t\tsow-submit-styled\t\t\">\n\n\t\t\t<button\n\t\t\t\ttype=\"submit\"\n\t\t\t\tclass=\"sow-submit\n\t\t\t\t\t\t\t\t\"\n\t\t\t\tdata-js-key=\"c4ca4238a0b923820dcc509a6f75849b\" \t\t\t>\n\t\t\t\tSubmit\t\t\t<\/button>\n\t\t<\/div>\n\t\t\t\t<input\n\t\t\ttype=\"hidden\"\n\t\t\tname=\"instance_hash-1\"\n\t\t\tvalue=\"e32674ed\"\n\t\t\/>\n\n\t\t<input type=\"hidden\" id=\"_wpnonce\" name=\"_wpnonce\" value=\"26f2438ad6\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/southflorida\/wp-json\/wp\/v2\/posts\/10407\" \/>\t<\/form>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"panel-10407-1-0-1\" class=\"so-panel widget widget_sow-editor panel-last-child\" data-index=\"6\" ><div\n\t\t\t\n\t\t\tclass=\"so-widget-sow-editor so-widget-sow-editor-base\"\n\t\t\t\n\t\t>\n<div class=\"siteorigin-widget-tinymce textwidget\">\n\t<h3><strong>About Lee &amp; Associates South Florida<\/strong><\/h3>\n<p>Lee &amp; Associates South Florida is a fully vertical commercial real estate brokerage firm focused on industrial, office, retail, multifamily, investment and land sectors. Our dedicated team of professionals is led by Matthew Rotolante, CCIM, SIOR a 4th generation South Florida native in a family that has owned and operated commercial property here since 1928. Lee &amp; Associates is the largest agent owned brokerage in the nation with Senior Agent\u2019s ability to earn profit share resulting in the highest splits while still receiving full resources, support and leads from our national network. Our collaborative and cheerful culture allows for open communications throughout the company, fostering the sharing of information and best practices to better enable client decision making.\u00a0 The Lee &amp; Associates\u2019 robust national network that sold and leased over $120 Billion in the last 5 years offers clients a cross-market platform of expertise and deal opportunities across all asset specialties and representation roles. For the latest news from Lee &amp; Associates South Florida, visit <a href=\"http:\/\/www.lee-associates.com\/\">leesouthflorida.com<\/a>\u00a0or follow us on\u00a0<a href=\"https:\/\/www.facebook.com\/leesouthflorida\">Facebook<\/a>,\u00a0<a href=\"https:\/\/www.linkedin.com\/company\/leesouthflorida\">LinkedIn<\/a>,\u00a0<a href=\"https:\/\/twitter.com\/leesouthflorida\">Twitter<\/a>\u00a0and\u00a0<a href=\"http:\/\/www.instagram.com\/leesouthflorida\">Instagram<\/a>, our company <a href=\"https:\/\/www.lee-associates.com\/southflorida\/news\/\">local news<\/a>.<\/p>\n<h3><strong>About Lee &amp; Associates<\/strong><\/h3>\n<p>Lee &amp; Associates is a commercial real estate brokerage sales, leasing and management firm. Established in 1979, Lee &amp; Associates has grown its service platform to include over 75 offices\u00a0in the United States and Canada. Lee &amp; Associates is the largest agent owned commercial real estate brokerage where agents get the greatest return for their efforts and hence are more committed and better enabled to provide superior results for their customers. \u00a0For the latest news from Lee &amp; Associates, visit\u00a0<a href=\"http:\/\/www.lee-associates.com\/\">lee-associates.com<\/a>\u00a0or follow us on\u00a0<a href=\"https:\/\/www.facebook.com\/LeeAssociatesCRE\">Facebook<\/a>,\u00a0<a href=\"https:\/\/www.linkedin.com\/company\/lee-and-associates\">LinkedIn<\/a>,\u00a0<a href=\"https:\/\/twitter.com\/LeeAssociatesRE\">Twitter<\/a>\u00a0and\u00a0<a href=\"http:\/\/www.linkbylee.com\/\">Link<\/a>, our company blog.<\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>The SBA Loan Shake-Up 2025: What Buyers (and Sellers) Should Know &nbsp; November 3, 2025 This year, the U.S. Small Business Administration (SBA) has rolled out sweeping updates to its flagship 7(a) and 504 loan programs, reshaping how small businesses finance commercial real estate purchases. Combined with temporary interruptions caused by the ongoing federal government shutdown, these changes are affecting lending patterns and timelines across the country. For South Florida business owners and sellers, understanding&#8230;<\/p>\n","protected":false},"author":76,"featured_media":10219,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,1816],"tags":[1856,1088],"class_list":["post-10407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-capital-markets","tag-lee-connections","tag-team"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The SBA Loan Shake-Up - What Buyers (and Sellers) Should Know - Lee &amp; Associates South Florida<\/title>\n<meta name=\"description\" content=\"SBA loan updates: Learn how new rules and shutdown delays affect small business buyers, and how Lee South Florida offers creative financing solutions.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lee-associates.com\/southflorida\/2025\/10\/29\/lee-connections-the-sba-loan-shake-up-what-buyers-and-sellers-should-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The SBA Loan Shake-Up - What Buyers (and Sellers) Should Know\" \/>\n<meta property=\"og:description\" content=\"SBA loan updates: Learn how new rules and shutdown delays affect small business buyers, and how Lee South Florida offers creative financing solutions.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lee-associates.com\/southflorida\/2025\/10\/29\/lee-connections-the-sba-loan-shake-up-what-buyers-and-sellers-should-know\/\" \/>\n<meta property=\"og:site_name\" content=\"Lee &amp; 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