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SmallBiz Recon™ 101 Premium Edition

A straight-to-the-point, high-clarity walkthrough of SBA loans, programs, and servicing steps, with heavier COVID EIDL focus, built by former SBA insiders.

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What this is

A premium, interactive SmallBiz Recon™ 101 guide built for clarity and action, with a heavier focus on COVID EIDL realities and common servicing paths.

What this is not

For informational purposes only. Not legal, financial, or SBA advice. Policies can change, outcomes vary by facts, and official guidance controls.

How to use this page

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SMALLBIZ RECON™, TRUST NOTE

SmallBiz Recon™ is an independent educational resource, built by a former SBA Supervisory Team Lead with six years inside the Servicing Department and 5,000+ COVID EIDL loans reviewed at the SBA.

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BRAND, OWNERSHIP

SMALLBIZ RECON™

SmallBiz Recon™ is a DBA of Recon11 Global Systems, LLC.

DISCLOSURE, SMALLBIZ RECON™

For informational purposes only© 2026

For informational purposes only. Not legal, financial, or SBA advice. SmallBiz Recon™ is not affiliated with or endorsed by the U.S. Small Business Administration or any government agency.

© 2026 Recon11 Global Systems, LLC.

Working from:SBA SOP 50 52 2 — COVID EIDL ServicingSBA Policy Notice 5000-857729 (8/5/2024)SBA Policy Notice 5000-840468 — COVID EIDL Servicing & LiquidationU.S. Treasury Cross-Servicing GuidanceTreasury Financial Manual, Vol. I, Part 3, Ch. 5000TFM 5030.20 — Certify DebtTFM 5030.40b — Prerequisites to TransferTFM 5030.50a — Continued Validity & Enforceability of the DebtTFM 5030.50b — Defending Litigation & Notifying Fiscal ServiceTFM 5030.50c — Maintain RecordsTFM 5030.50d — Recall Transferred DebtTFM 5035.40 — Respond to Disputes & InquiriesTFM 5035.50 — Return Transferred DebtTreasury Cross-Servicing Debtor ResourcesTreasury Cross-Servicing Debtor Dispute Form31 C.F.R. § 285.12 — Transfer of Debts to Treasury for Collection31 C.F.R. § 285.5 — Treasury Offset Program31 C.F.R. § 285.11 — Administrative Wage GarnishmentFederal Claims Collection Standards (31 C.F.R. Parts 900–904)Debt Collection Improvement Act (31 U.S.C. §§ 3711, 3716)Fair Debt Collection Practices Act guidance

Working from:SBA SOP 50 52 2 — COVID EIDL ServicingSBA Policy Notice 5000-857729 (8/5/2024)SBA Policy Notice 5000-840468 — COVID EIDL Servicing & LiquidationU.S. Treasury Cross-Servicing GuidanceTreasury Financial Manual, Vol. I, Part 3, Ch. 5000TFM 5030.20 — Certify DebtTFM 5030.40b — Prerequisites to TransferTFM 5030.50a — Continued Validity & Enforceability of the DebtTFM 5030.50b — Defending Litigation & Notifying Fiscal ServiceTFM 5030.50c — Maintain RecordsTFM 5030.50d — Recall Transferred DebtTFM 5035.40 — Respond to Disputes & InquiriesTFM 5035.50 — Return Transferred DebtTreasury Cross-Servicing Debtor ResourcesTreasury Cross-Servicing Debtor Dispute Form31 C.F.R. § 285.12 — Transfer of Debts to Treasury for Collection31 C.F.R. § 285.5 — Treasury Offset Program31 C.F.R. § 285.11 — Administrative Wage GarnishmentFederal Claims Collection Standards (31 C.F.R. Parts 900–904)Debt Collection Improvement Act (31 U.S.C. §§ 3711, 3716)Fair Debt Collection Practices Act guidance