If you Owe more than $30,000 contact us for a free case evaluation at (833) 428-0937
contact us for a free case evaluation at (833) 428-0937
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SBA Repayment Plan Negotiations

We Provide Nationwide Representation of Small Business Owners, Personal Guarantors, and Federal Debtors before the SBA and Treasury Department's Bureau of Fiscal Service

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SBA Repayment Plan Negotiations Attorneys

If you have recently received the 60-Day Official Notice from the SBA offering you the opportunity to petition for an administrative review of the debt, make an SBA offer in compromise or enter into a repayment agreement for an SBA loan default you may not know which way to turn. Not only has your SBA debt come back to haunt you but if you fail to respond to the 60-Day Official Notice within the stated time frame, your case will be cross-referred to the Department of Treasury’s Bureau of Fiscal Service, where the Government will add an amount up to 30% of the original SBA debt balance as “administrative fees and costs.”

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Sometimes, based on your financial status, an SBA offer in compromise won’t be an option. Some SBA debtors have too much in liquid assets and/or their monthly income is too high such that the SBA will not be amenable to an SBA offer in compromise.

If your financial profile and net worth disqualifies you for an SBA offer in compromise, one of your options is to negotiate a repayment agreement with the SBA. After carefully reviewing your financial situation, an SBA Attorney can negotiate a reasonable repayment agreement with the SBA prior to the cross-referral of your case to Treasury’s Bureau of Fiscal Service.

A repayment agreement with the SBA is used to pay the claimed debt over a reasonable period of time. However, the SBA unilaterally defines a “reasonable period of time” as no more than 3 years. It, however, will not take into consideration certain factors as noted in the SBA Standard Operating Procedures (SOPs), the Code of Federal Regulations (CFR) or the Federal Claims Collection Standards (FCCS) to derive the monthly amount unless you assert your rights. Instead, the SBA will just calculate the monthly amount by dividing the unverified amount of the SBA debt by 36 months.

It is a one-sided negotiation that favors that SBA. Don’t fall into the trap by trying to negotiate the repayment agreement terms by yourself. Instead, let an SBA Attorney analyze your financial profile and compare it against the FCCS to derive a “reasonable” amount that you can afford and present the terms to the SBA to arrive at a “win-win” negotiation that works for both parties.

Contact us today for a free Case Evaluation.


Sometimes, based on your financial status, an SBA offer in compromise won’t be an option. Some SBA debtors have too much in liquid assets and/or their monthly income is too high such that the SBA will not be amenable to an SBA offer in compromise.

If your financial profile and net worth disqualifies you for an SBA offer in compromise, one of your options is to negotiate a repayment agreement with the SBA. After carefully reviewing your financial situation, an SBA Attorney can negotiate a reasonable repayment agreement with the SBA prior to the cross-referral of your case to Treasury’s Bureau of Fiscal Service.

A repayment agreement with the SBA is used to pay the claimed debt over a reasonable period of time. However, the SBA unilaterally defines a “reasonable period of time” as no more than 3 years. It, however, will not take into consideration certain factors as noted in the SBA Standard Operating Procedures (SOPs), the Code of Federal Regulations (CFR) or the Federal Claims Collection Standards (FCCS) to derive the monthly amount unless you assert your rights. Instead, the SBA will just calculate the monthly amount by dividing the unverified amount of the SBA debt by 36 months.

It is a one-sided negotiation that favors that SBA. Don’t fall into the trap by trying to negotiate the repayment agreement terms by yourself. Instead, let an SBA Attorney analyze your financial profile and compare it against the FCCS to derive a “reasonable” amount that you can afford and present the terms to the SBA to arrive at a “win-win” negotiation that works for both parties.

Contact us today for a free Case Evaluation.


SBA Repayment Plan Negotiations
$58,000 SBA 7A LOAN - AWG HEARING DEFENSE

$58,000 SBA 7A LOAN - AWG HEARING DEFENSE

Client personally guaranteed SBA 7(a) loan balance of $58,000.  Client received Notice of Intent to initiate Administrative Wage Garnishment (AWG) Proceedings.  We represented client at the Hearing and successfully defeated the AWG Order based on several legal and equitable grounds.

$750,000 SBA 504 LOAN - NEGOTIATED TERM REPAYMENT AGREEMENT

$750,000 SBA 504 LOAN - NEGOTIATED TERM REPAYMENT AGREEMENT

Clients personally guaranteed SBA 504 loan balance of $750,000.  Clients also pledged the business’s equipment/inventory and their home as additional collateral.  Clients had agreed to a voluntary sale of their home to pay down the balance.  We intervened and rejected the proposed home sale.  Instead, we negotiated an acceptable term repayment agreement and release of lien on the home.

$488,000 SBA 7A LOAN - SBA OHA LITIGATION

$488,000 SBA 7A LOAN - SBA OHA LITIGATION

Clients personally guaranteed an SBA 7(a) loan.  The SBA referred the debt to the Department of Treasury, which was seeking payment of $487,981 from our clients.  We initially filed a Cross-Servicing Dispute, which was denied.  As a result, we filed an Appeals Petition with the SBA Office of Hearings and Appeals asserting legal defenses and supporting evidence uncovered during the discovery and investigation phase of our services.  Ultimately, the SBA settled the debt for $25,000 - saving our clients approximately $462,981.

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