SBA Loan Support From the Nation’s Premiere Lending Experts.
Expert SBA Lending Advisory for Financial Institutions
The Brief
Rule of Credit was founded by a former Deputy Director in the U.S. Small Business Administration’s Office of Capital Access, who helped develop policy for the SBA 7(a) and 504 loan programs, and former senior experts from SBA’s Office of Credit Risk Management.
We created Rule of Credit to bring that experience directly to financial institutions navigating complex SBA transactions and an ever-changing lending environment. Having helped shape, interpret, and oversee the policies lenders work with every day, our team brings a perspective few others can offer—practical guidance grounded in how SBA lending policy is written, applied, and reviewed.
SBA lending requirements continue to evolve, and knowing which guidance applies to each loan is essential to protecting the guaranty. Our team follows SBA SOPs and Policy and Information Notices closely, helping you understand what changed, where to find it, and which loans are affected. Whether you need an answer to one difficult question or support across your SBA operation, Rule of Credit helps your program stay compliant, operate efficiently, manage risk, and improve profitability.
Our Services
SBA Lending Compliance and Policy Advisory
Expert guidance on SBA 7(a) and 504 policy, underwriting, and complex transactions. We help lenders navigate eligibility, credit, policy exceptions, and SBA requirements throughout the loan life cycle—from origination through servicing and liquidation—to strengthen compliance, manage risk, and protect the SBA guaranty.
SBA Department Outsourcing Solutions
Expand your SBA lending capabilities without adding staff. We provide loan consulting and packaging, closing services, and outsourced support across your SBA operation—giving your team experienced resources when needed while improving efficiency, maintaining compliance, and supporting a profitable SBA lending program.
SBA Loan Servicing and Portfolio Management
Maximize fee income while taking the burden of SBA portfolio management off your team. We handle ongoing servicing, payment processing, loan performance monitoring, 1502 reporting, transaction documentation, and secondary market support—helping maintain compliance, protect the guaranty, and keep your SBA portfolio performing.