The 7(a) Lender keeps each loan within the program's maximum loan amount (Standard 7(a); 7(a) Small per project including other 7(a) loans within 90 days; SBA Express in aggregate with other Express-type loans of the Applicant and affiliates), determines and documents affiliates in its credit analysis and applies the maximums to the Applicant and affiliates as one business, and sets the guaranty percentage, maturity and interest rate within Appendices 16, 17 and 18 (variable rates no higher than Prime or the SBA optional peg rate plus the spread allowed for the loan size; fixed rates no higher than the published maximum). SBA Express non-financial default provisions must be substantive, agreed in writing at closing, consistent with the Lender's non-SBA loans and backed by a stated maturity date, and a purchase request may not rest on them alone; refinancing an Express line with a new Express loan requires the line retention justification or a non-revolving term of no more than 10 years.
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