SBA Lenders

We literally wrote the SBA 7(a) SOP’s for business valuations in the early 2000’s.  We are the industry veteran serving SBA Lenders for over 23 years and counting.

How we work for you and your borrower from START TO FINISH:

Our MAIN priority when our lending clients order a business valuation is to make this piece of the underwriting puzzle fit together smoothly and succinctly.  We want to help ensure your success, so here are the steps we are taking behind the scenes to ensure an SBA compliant valuation is ready when you are.



  • We help you minimize risk: We are your second set of eyes when it comes to identifying risk. You might not catch it—but thanks to our extensive experience, we will.
  • We make it easy: We leverage the information you provide and build on that foundation. Our team will fill in the gaps to obtain all the essential data needed to complete the engagement. You don’t have to fill out a questionnaire, you don’t have to collect documents.
  • We go above and beyond: We complete the process by interviewing the borrower to assure we have everything right – the first time. This is not required by you or the SBA. This is our service requirement—an added layer of due diligence that ensures a seamless process.

GCF offers the following business valuation services to SBA Lenders:

Calculation of Value: Calculation engagements (also known as “desktop appraisals”) are primarily used to meet the internal requirements of the bank for loans less than $250,000. Calculation reports are limited in scope and do not meet the SBA requirement for “3rd party business valuations.”

Summary Appraisal: The GCF Summary Appraisal is an SBA Compliant Report designed to meet SBA SOP 50 10 6 which states:

“If the amount being financed (including any 7(a), 504, seller, or other financing) minus the appraised value of real estate and/or equipment is greater than $250,000 or if there is a close relationship between the buyer and seller (for example, transactions between existing owners or family members), the Lender must obtain an independent business valuation from a qualified source”.

All GCF Reports are prepared and signed by an Accredited Appraiser and delivered within 8-10 business days from the time of engagement.