Independent guidance on C-PACE, USDA B&I and SBA 504 — the long-term, lower-cost programs most banks never mention. Program terms, state-by-state coverage, and the capital providers who actually fund them.https://specialloan.com/en-ushttps://specialloan.com/guides/sba-mca-refinance-rule/https://specialloan.com/guides/sba-mca-refinance-rule/SOP 50 10 8 made merchant cash advances and factoring agreements ineligible for 7(a) refinancing on 1 June 2025. Here is what the rule says, why the SBA made it, and what actually remains open to a business carrying MCA debt.Sun, 30 Aug 2026 00:00:00 GMT