Quick one for anyone with a deal under LOI or heading there this fall. SOPredactedsets the 7(a) debt-service-coverage floor at 1.15x. SOPredactedtakes effect October 1, 2026 and moves it to 1.25x. Same loan, same business — the cash flow now has to cover about 9% more (1.25 ÷ redactedA deal that clears comfortably on today's number can be borderline on next month's, and most listings were priced on the old one. Two things I'd check before relying on the listing's SDE: Run the coverage on the SDE you can actually support from the tax returns, not just the number on the listing. If add-backs are carrying the gap, the DSCR is carrying it too. Remember the floor is the SBA's minimum, not your lender's underwriting. Overlays are usually higher. I put the arithmetic in a free calculator so you don't have to build the spreadsheet: it runs stated vs supported SDE through one 7(a) loan, with a toggle for the 8 / 8.1 floor, the 10% injection, and a seller note on full standby counted the way the SOP counts it. No login, nothing uploaded, nothing stored. redacted Disclosure: I built it — I'm the founder of Verity. Happy to answer questions on the rule change either way.redacted