Section

Operations

Field operations, multi-unit ownership, and the systems behind running real locations.

Operations

The SBA's SBSS Score Sunset Has Changed the Franchise Lending Calculus

Effective March 1, 2026, SBA lenders stopped using the FICO Small Business Scoring Service score for 7(a) loans up to $350,000. Two months in, the downstream effects are clear: documentation requirements are heavier, the credit bar is higher, and the operators best positioned are those with established financials and system-level brand data.

Priya Shah4 min read