Hey all — looking for anyone who has actually been down this road, lenders especially. Context: bought a business in Feb '25 with one 7(a). Prime + 2 variable, 16-yr term, goodwill-heavy (~55%) with some commercial RE as collateral. Performing, never late. Had planned to refi into a 25-yr am next year using the 51%-real-estate route. Sadly, SOPredactedcloses that door on Oct 1. Appendix 15 B.1.a now says "only the portion of the real estate purchase may have an amortization that exceeds 10-years" — everything else, goodwill included, gets 10. So a refi comes out as a blend, not the full 25. And I'm not even eligible to refi until after the new rules kick in… so the 51% window closes before I can use it. So, went looking for another door. The servicing SOPredacted, Ch. 7) looks like it lets the existing lender change the loan without a refi: F — lender can extend maturity up to 10 years past the original date if it "will aid in the orderly repayment of the Loan." Per the lender matrix it's unilateral via E-Tran, no prior SBA approval. E — lender can modify the interest rate "to help a viable Borrower meet long or short-term goals." A — the catch. If the guaranteed portion was sold, any change to repayment terms needs investor consent. If it's in a pool, the FTA can approve a modification "as long as the interest rate is not altered." Because it's a modification and not a refi, there's no new appraisal, no recoupment fee, and no re-underwriting against the new DSCR floor. On paper it's the cleaner path. What I can't find is anyone who has actually done it. So: 1. Have you seen a lender extend maturity (or change the rate) for a performing borrower? Or is this a distressed-only tool in practice? 2. What does "orderly repayment" look like to a bank? Is a documented change in the guarantor's circumstances enough, or do they want to see actual stress first? 3. How much does secondary-market status matter? My read is that pooled means a term extension is doable but a rate change isn't, and an individual investor means you're asking them for consent. Thanks in advance!