Course curriculumEight phases
The full 20-module curriculum
From fundamentals to advanced deal structuring, sequenced the way real brokers learn: read, quiz, apply.
Phase I: Foundation
Your journey begins here. Discover why SBA lending is a broker's paradise and understand the powerful role you'll play in the ecosystem.
- 1 Why Brokers Win SBA
- 2 Why SBA Exists
- 3 The Broker's Role
Master the core mechanics of the 7(a) program - loan limits, guarantee percentages, eligibility requirements, and the different products available.
- 1 What Is 7(a)?
- 2 Who SBA Helps
- 3 Why Rules Matter
Understanding the rules better than your competition lets you structure deals others can't. Learn to leverage compliance knowledge strategically.
- 1 Rules as Your Weapon
- 2 When Rules Change
- 3 Staying Current
Phase II: Economics
Master the economics of SBA lending - interest rates, term structures, guarantee fees, and closing costs. Essential for every borrower conversation.
- 1 Interest Rate Fundamentals
- 2 Term Structures
- 3 Weighted Average Terms
- 4 Guarantee Fees
- 5 Closing Costs
The economics of YOUR business. Learn compensation structures, fee disclosure requirements, and the income math behind SBA brokering.
- 1 Compensation Structure
Phase III: Deal Structuring
Theory meets practice. Master every deal type - acquisitions, buyouts, startups, commercial real estate, equipment, working capital, and refinancing.
- 1 How Use of Proceeds Drives Everything
- 2 Business Acquisition
- 3 Partner Buyout
- 4 Startup Financing
- 5 Commercial Real Estate Purchase
- 6 Commercial Real Estate Refinance
- 7 Construction
- 8 Equipment Financing
- 9 Working Capital
- 10 Leasehold Improvements
- 11 Debt Refinancing
- 12 Combining Uses of Proceeds
The borrower's skin in the game. Master required amounts, acceptable sources, and creative compliant strategies including ROBS, gifts, and investor structures.
- 1 Required Injection Amounts
- 2 Acceptable Sources
- 3 Creative Compliant Sources (ROBS, Gifts, Investors)
Navigate the complex world of ownership structures, guarantor rules, spouse requirements, and affiliate traps that can kill otherwise good deals.
- 1 Guarantor Rules
- 2 Layered Entities
- 3 Spouse Rules
- 4 Affiliate Traps
Phase IV: Documentation
Become an expert on every critical SBA form - 1919, 413, 4506-C, and the debt schedule. Accuracy here prevents delays and dead deals.
- 1 Form 1919 - Borrower Information
- 2 Form 413 - Personal Financial Statement
- 3 Form 4506-C - Tax Transcript Request
- 4 Debt Schedule
Think like an underwriter. Master cash flow analysis (DSCR), collateral valuation, character assessment, and identifying red flags before they kill deals.
- 1 Cash Flow Analysis (DSCR)
- 2 Collateral Requirements
- 3 Character Assessment
- 4 Red Flags & Deal Killers
- 5 Global Cash Flow Analysis
Phase V: Execution
From approval to funding. Navigate timeline phases, third-party reports, condition clearing, and common challenges that derail closings.
- 1 Timeline Phases
- 2 Third-Party Reports
- 3 Final Conditions
- 4 Common Closing Challenges
Craft loan packages that get approved faster with less back-and-forth. Document strategy, executive summaries, and professional file organization.
- 1 Document Request Strategy
- 2 Executive Summary Craft
- 3 File Organization
Phase VI: Business Building
Master the lender landscape. Banks vs non-banks, PLP advantages, finding the right fit for each deal, and building relationships that compound.
- 1 Banks vs Non-Banks
- 2 PLP Lenders
- 3 Lender Fit Framework
- 4 Building Lender Relationships
Build your pipeline. Harvest your network, target the right prospects, create content that converts, develop partner channels, and manage your funnel.
- 1 Harvesting Your Residential Book
- 2 Targeting Business Owners
- 3 Content Marketing
- 4 Ad Copy That Converts
- 5 Partner Channels
- 6 The Client Funnel
- 7 Real-World Deal Scenarios
Phase VII: Advanced Products
Unlock a specialized SBA product most brokers don't know exists. Learn how International Trade Loans help exporters and import-impacted businesses access up to $5M with a 90% guarantee.
- 1 The Export Advantage
- 2 Eligibility & Deal Structure
- 3 Closing International Trade Deals
Phase VIII: Deep Dive
Go beyond the basics. Learn to read P&L statements, balance sheets, and business tax returns like an underwriter - and spot the numbers that make or break SBA deals.
- 1 Profit & Loss Statements
- 2 Balance Sheet Analysis
- 3 Business Tax Return Interpretation
- 4 Financial Trend Analysis
Master personal cash flow calculations, personal financial statement analysis, and guarantor tax return review. The personal side of underwriting that trips up most brokers.
- 1 Personal Cash Flow Calculations
- 2 Form 413 Deep Dive
- 3 Personal Tax Return Analysis
- 4 Global Personal Cash Flow
Navigate the title requirements that delay more closings than anything else. Lien positions, UCC filings, title insurance, surveys, and environmental clearances demystified.
- 1 Title Insurance & Lien Positions
- 2 UCC Filings & Personal Property Liens
- 3 Environmental & Survey Requirements
- 4 Resolving Title Issues
When is life insurance required? How much coverage? Who needs it? Master the collateral assignment process and policy requirements that protect SBA loans.
- 1 When Life Insurance Is Required
- 2 Coverage Amounts & Policy Types
- 3 Collateral Assignment Process
Handle the complex deals that other brokers walk away from. Multi-entity structures, change of ownership scenarios, mixed-use properties, and creative compliant solutions.
- 1 Multi-Entity Deal Structures
- 2 Change of Ownership Scenarios
- 3 Mixed-Use & Special Purpose Properties
- 4 Creative Compliant Solutions
Ready to master SBA lending?
Free, private, and invite-only. Request access and train with the Lords of Lending.
Or email team@lordsoflending.com directly.