Car Wash and Detail Site SBA Collateral, What the Search Covers
A small purpose-built parcel, tunnel equipment somebody else financed, and a dependence on sewer capacity that no title search will ever report.
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SBA Title Search Guidance
Plain-English articles on title report requirements, turnaround times, and lien research, written by the team that produces SBA-compliant reports every day.
Articles
Childcare and Early Education SBA Collateral, What to Check
The license belongs to the operator, the capacity depends on the building, and a recorded covenant can forbid the use the zoning plainly permits.
Read articleRestaurant and Food Service SBA Collateral, What to Check
The kitchen is worth more than the room it sits in, the liquor license is personal property, and a foreclosure can leave a lender holding neither of them.
Read articleSelf Storage Facility SBA Collateral, What the Search Covers
Several parcels assembled over time, a converted building with a prior use, and a tenant roll that turns over monthly. What the record reaches and what it misses.
Read articleHotel and Hospitality SBA Collateral, What the Search Covers
The real estate is pledged and the brand is what makes it worth anything. What the county record holds, and the obligations that survive a change of owner.
Read articleMedical and Dental Practice SBA Collateral, What to Check
The practice, the build out and the equipment are three different things, and only some of them sit in the land record. What a search reaches on a suite purchase.
Read articleESOP Transactions and SBA Collateral, What the Title Search Covers
The shares move and the real estate usually stays where it was. Why no recorded deed does not mean no title work, and which name the search has to run under.
Read articleSBA Collateral in a Flood Zone, and What the Record Shows
Flood risk is a federal mapping decision and not an encumbrance, so a clean search says nothing about it. What does get recorded, and what to ask for separately.
Read articleCommunity Land Trust Property as SBA Collateral, What to Check
The trust owns the land, the borrower owns the building, and a recorded formula caps what it can ever sell for. What the ground lease controls and what it limits.
Read articleShared Well and Septic Agreements on SBA Collateral, What to Check
A rural property with no recorded right to its own water or waste disposal is a property that may not be usable. What gets recorded, and what never does.
Read articleRecorded Development Agreements on SBA Collateral, What to Check
A deal struck with a city to get an entitlement is recorded against the land and binds whoever owns it next. What it obligates, what secures it, and what to read.
Read articleWetlands and Mitigation Banking on SBA Collateral, What to Check
A permit condition from a project finished years ago can sit on the land forever. What gets recorded, what stays with the regulator, and what to read before closing.
Read articleAir Rights and Vertical Subdivision of SBA Collateral, What to Check
A restaurant on the ground floor of a building owned by four parties is a volume rather than a lot. What creates the split, what stays shared, and what to read before closing.
Read articleForfeiture and Seizure in the Chain of SBA Collateral, What to Read
A government deed in the chain means a case file nobody has read. How forfeiture reaches back to the conduct rather than the filing, and what the county record will show.
Read articlePost Closing Title Curative on SBA Loans, and What to Track
An item is not cured when the payoff clears, it is cured when the release records. Why curative lists stall after funding, and the four checks that actually close one.
Read articleUnrecorded Leases and Tenants in Possession on SBA Collateral
Commercial leases are rarely recorded, and a clean index is not evidence a building is free of them. What possession does legally, and the three sources to compare.
Read articleA Deed in Lieu of Foreclosure in the Chain of SBA Collateral
A deed in lieu moves title without clearing anything. What survives it, why the merger doctrine matters, and the three documents to pull before relying on the transfer.
Read articleWaterfront and Riparian SBA Collateral, What the Search Covers
A marina, boatyard or waterfront restaurant sits on ground whose boundary moves and whose value depends on permits the recorder never sees. What to search and what to request.
Read articleHistoric Preservation Easements on SBA Collateral, What to Check
A facade easement granted decades ago for a tax deduction still binds the building, survives foreclosure, and rarely announces itself in the index under that name.
Read articleWhat Cell Tower and Rooftop Leases Mean for SBA Collateral
A tower lease covers almost no ground and can bind the parcel for fifty years. What the recorded memorandum shows, who holds it now, and what a lender inherits.
Read articleParty Walls and Shared Structures on SBA Collateral Title
Attached buildings share a wall, a roofline, and a set of obligations. What the record shows about a party wall, what only a survey catches, and what a lender takes on.
Read articleDissolved Entities in the Chain of SBA Collateral, and Who Can Sign
Why an LLC on the deed can have stopped existing without the land record showing it, the three routes back to a conveyance, and what each one costs in time.
Read articleLis Pendens on SBA Collateral, and What It Does to Your Lien
What a notice of pending action does to a parcel, why the recording date carries the weight, the ways one gets cleared, and what a land records search still misses.
Read articlePrior Foreclosures in the Chain of SBA Collateral, and What Survived
What a trustee sale or a sheriff sale leaves in the county record, which junior liens it clears and which it does not, redemption windows, and how to scope the search.
Read articleSpecial Assessment Districts on SBA Collateral, and Where They Rank
What a municipal utility or improvement district is, how its assessment is collected, where it can sit against your mortgage, and what the county record will not tell you.
Read articleCrop and Agricultural Liens Against SBA Farm Collateral
What an agricultural lien attaches to, why none of it appears in the land records, and how to scope the two searches a farm deal actually needs.
Read articleEscrow Holdbacks and Title Exceptions on an SBA Closing
When a holdback is the right answer to an unresolved title matter, what the escrow agreement has to say, and which exceptions should stop a closing instead.
Read articleEminent Domain and Condemnation Against SBA Collateral Sites
What a taking puts on the record and when, how a partial taking damages the remainder, who claims the award, and how to scope a search around it.
Read articlePACE Assessments on SBA Collateral, and Where They Rank
How clean energy financing gets recorded, why an assessment can outrank a new SBA mortgage, where to find one, and what to do once it turns up.
Read articleBillboard and Outdoor Advertising Leases on SBA Collateral
A sign occupies a few hundred square feet and can encumber the parcel for decades. What the recorded memorandum shows, who holds it now, and why it is hard to remove.
Read articleWhat Boundary Disputes and Adverse Claims Mean for SBA Collateral
A contested line can make the secured parcel smaller than the appraisal assumed. What the record surfaces, what only a survey shows, and why neither works alone.
Read articleWhat a Gas Station or Fuel Site Needs From an SBA Title Search
Fuel sites carry supply agreements, sign easements, and sometimes a recorded covenant forbidding the very use the borrower plans. What the county record holds and what it does not.
Read articleWhat a Quiet Title Action in the Chain Means for SBA Collateral
A recorded decree in the chain is usually good news and never the end of the review. What it establishes, who it binds, and the service questions that decide whether it holds.
Read articleSearching SBA Collateral That Spans Two Counties or States
A parcel that crosses a jurisdiction line needs two searches, two recordings, and sometimes two legal opinions. What to tell us at intake and where these files go wrong.
Read articleWhat Water and Irrigation Rights Mean for SBA Collateral
On irrigated ground the water right can be worth more than the dirt, and it is mostly recorded somewhere other than the county. What the search covers and what it cannot.
Read articleWhat HOA and POA Liens Mean for SBA Collateral and Lien Position
Where an association assessment lien shows up in the county record, why its priority is set by state statute rather than by the recording date alone, and what to send us.
Read articleReverter Clauses and Deed Restrictions on SBA Collateral
How a reverter or use restriction buried in an old deed can shrink the collateral, where these clauses are recorded, and what an SBA title search can and cannot settle about them.
Read articleWhat an SBA Loan Assumption Needs the Title Search to Confirm
Why an assumption needs a fresh search rather than the original file, which names belong in the order, what tends to have posted in the gap, and what the report can settle.
Read articleReading the Vesting Line on Co-Owned SBA Collateral Property
How the vesting line changes what can be pledged, why every record owner belongs in the search, what a partition suit signals, and what an unrecorded share hides.
Read articleNonprofit and Church Property as SBA Collateral: What to Check
Charitable and religious property carries use conditions, reverter clauses, and authority questions the deed does not answer. What the record shows, and what it cannot.
Read articleSBA Collateral on Tribal and Restricted Land: Where Title Sits
Title to trust and restricted land is held in a federal records system rather than the county. What a records search can and cannot deliver on these files.
Read articleEntity Name Changes and Mergers: The SBA Title Search Chain
A borrower that converted, merged, or renamed leaves a gap in the chain and liens indexed under a name nobody searched. What to send with the order, and why.
Read articleLegal Description Problems on SBA Collateral: What to Check
A mortgage that describes the wrong parcel, or three tracts out of four, is a lien on something other than the collateral. What the record shows, and when to survey.
Read articleLife Estates and Remainder Interests in SBA Loan Collateral
A borrower holding only a life estate cannot mortgage the whole property. What the record shows about split ownership, and whose signatures the file actually needs.
Read articleManufactured and Modular Buildings as SBA Loan Collateral
A building that arrived on wheels may still be personal property with its own certificate of title. What the county record shows, and what has to be done before closing.
Read articleA Prior Tax Sale in the Chain: SBA Collateral Title Checks
A tax deed anywhere in the chain can leave a marketability problem the lender inherits. What the record shows, and what has to be resolved before a closing date.
Read articleSBA Collateral in Bankruptcy: What the Title Search Shows
A filing changes who controls the collateral, not what encumbers it. What the county record shows about lien position, late filings, and transfers near the petition date.
Read articleCode Enforcement and Municipal Liens on SBA Collateral Property
Fines, abatement costs, and utility balances behave differently from mortgages and judgments. Which ones reach the recorder, which do not, and what to order.
Read articleSolar Leases on SBA Collateral: What the Title Search Finds
Rooftop and carport arrays on business property come in three ownership forms. Which ones leave a recorded trace, and what underwriting still has to get from the borrower.
Read articlePurchase Options and Rights of First Refusal on SBA Collateral
How a recorded option or first refusal right affects lien position, appraised value, and a later release, and what a title search on the collateral will show.
Read articleState Tax and Child Support Liens Against SBA Collateral
The non federal liens that reach SBA collateral, how they attach through a name rather than a parcel, and what a title search on the borrower and guarantor should cover.
Read articleFederal Tax Liens on SBA Collateral: Priority and Release
A federal tax lien attaches to everything the taxpayer owns and is noticed under a name rather than a parcel. What to search, and what the remedies are.
Read articleRecorded Leases on SBA Collateral: What the Search Shows
Tenants on the collateral affect value, occupancy, and what a lender can do on default. What the land record shows about leases, and what it never will.
Read articlePartial Releases and Lot Splits on SBA Collateral Parcels
Releasing part of a mortgaged parcel is a records exercise with two failure modes: a bad description, and collateral left without access. What to check first.
Read articleUse Restrictions on SBA Collateral: Covenants and Zoning
A recorded covenant can prohibit the borrower's business on the property it secures. What a title search finds, what the city holds, and why both matter.
Read articleMechanics Liens on SBA Collateral: Priority and Timing Gaps
A mechanics lien can outrank a mortgage recorded before it, and the filing window can stay open after you fund. What to check, and when to check it again.
Read articleSevered Mineral Rights on SBA Collateral: What to Check For
When the minerals under the collateral belong to someone else, the surface can be drilled, crossed, or piped. What the record shows, and what it cannot settle.
Read articleRural Acreage as SBA Collateral: Access, Splits, Minerals
Rural collateral raises three questions a suburban parcel never does. What the record can settle about access, descriptions, and severed interests, and what it cannot.
Read articleSpousal Joinder and Homestead Rights on SBA Loan Collateral
Why a non borrowing spouse may still have to sign, what the land records show about marital rights, and the two lines on the order form that prevent the delay.
Read articleLiquidation and Workout: Title Research on SBA Collateral
What the record looks like years after closing, which searches a liquidation file needs, and why the original title report is the wrong document to rely on.
Read articleWhat an SBA Title Search Cannot Find, and Why It Matters
The four gaps every records search leaves on an SBA file, how to close them with cheap steps outside the county, and where the funding letter asks for something else.
Read articleSBA Collateral Held in a Trust or an Estate: What to Search
When the deed names a family trust or a decedent, the search has to reach further. Which names to run, what the record settles, and what has to come from the borrower.
Read articleSpecial Purpose Collateral on an SBA Loan: Title Questions
Gas stations, car washes, hotels, and restaurants carry recorded restrictions that decide whether the next operator can run the same business. What to search, and how deep.
Read articleAccess and Easements on SBA Collateral: What to Verify First
Why a usable driveway is not access of record, which recorded burdens quietly shrink a commercial site, and what to pull before an appraisal assumption becomes a problem.
Read articleAssignment of Rents on SBA Collateral: What Gets Recorded
How an assignment of rents differs from the mortgage it travels with, which parts of a tenanted deal never reach the county index, and why an earlier assignment can outrank yours.
Read articleJudgment Liens on SBA Collateral: How to Search Every Name
Why judgments are found by name rather than by parcel, which names belong on an SBA search list, and why an old judgment can still be alive and senior to your mortgage.
Read articleUsing a Personal Residence as SBA Collateral: What to Search
Why a residential lien is ordinary to record and unusual to get right, which signatures state law can require, and the two encumbrances that hide in a short residential chain.
Read articleCondo and Mixed Use SBA Collateral: What a Search Covers
Why a commercial condominium unit sits three records deep, how association assessments behave differently from recorded liens, and how to scope a mixed use parcel before ordering.
Read articleDelinquent Property Taxes on SBA Collateral: What to Check
Why a tax lien outranks a recorded mortgage, which office actually knows the balance, how a delinquency escalates toward a tax deed, and what to order alongside the search.
Read articleSBA Construction Loans: Title Work Before and During the Build
Why a build needs title work at three points instead of one, how relation-back priority puts a lender behind a lien filed months later, and which construction paper is recorded.
Read articleSBA Environmental Requirements: Where the Title Records Fit
Why an environmental review and a title search answer different questions, how a cleanup lien can outrank a loan recorded years earlier, and what to order together.
Read articleRefinancing Debt with an SBA 7(a) Loan: What the Report Shows
Why a refinance searches the borrower rather than a seller, the three kinds of item on a payoff list, and how to prove the lien position the funding letter asked for.
Read articleThe Pre-Closing Title Update: Why the SBA File Needs a Second Look
What a title report is actually accurate as of, the gap between the search date and funding, what tends to post inside it, and when to run the update.
Read articleMultiple Collateral Properties on One SBA Loan: Ordering the Search
Why each parcel is its own search, how the funding letter sets scope parcel by parcel, what to send at intake, and where multi-property files quietly lose days.
Read articleUCC Searches and Title Searches: What Each Covers on an SBA File
Two separate filing systems, two separate searches, and the collateral that sits between them: what a title report covers, what a UCC search covers, and where fixtures land.
Read articleLeasehold Collateral on SBA Loans: What to Search and Why
How leasehold collateral differs from fee ownership, the lease terms lenders read first, why the ground owner gets searched too, and what recording practice leaves out.
Read articleSBA Subordination Requests: What the Title Report Must Show
Why lien position follows the recording date, who has to sign a subordination, what the recorded agreement changes, and which documents the underwriter needs in the file.
Read articleSBA 504 Loans: What the Two-Lien Structure Means for Title Work
How a 504 project splits into a bank first lien and a CDC second lien, why two reviewers means two requirement sets, and the timing gap that makes an update routine.
Read articleBuying a Business With an SBA Loan: The Real Estate Side
Whether the building is in the deal, why the parcel and the entity are searched separately, and the four details that keep an acquisition title order from stalling.
Read articleOwner Search, O&E, or Full Chain: Choosing the Right SBA Title Search
The three title search scopes, the question each one answers, what happens when you order too small or too big, and what to have ready before you order.
Read articleLien Position on SBA Loans: Why It Decides What Collateral Is Worth
How recording order sets lien position, which liens outrank everyone by statute, and the two ways lenders move the SBA up the stack: payoffs and subordinations.
Read articleThe SBA Disaster Loan Title Search: A Homeowner's Guide
Why the SBA verifies title before disaster funds disburse, what the search actually checks, the recorded deed of trust rule, and the inherited property snag to solve early.
Read articleRelease of Collateral, Start to Finish: Where the Title Report Fits
What an SBA release of collateral request includes, partial versus full releases, and why the title report has to be less than six months old.
Read articleFive Title Problems That Delay SBA Loans, and How to Clear Each One
Unreleased mortgages, vesting mismatches, back taxes, judgment liens, and legal description errors: what each finding means and the standard fix for it.
Read articleTitle Report or Title Insurance: What Does an SBA Loan Actually Need?
The difference between a title report and a title policy, what SBA funding letters actually ask for, and when the report alone does the job.
Read articleHow Long Does an SBA Title Search Take, and What Slows One Down?
Real turnaround numbers for SBA title reports, what makes a search take longer, and five things you can do before ordering to keep your loan funding on schedule.
Read articleWhat's Actually in an SBA Title Search? The Report, Explained
A plain-English walkthrough of every section of an SBA-compliant title report: ownership verification, liens, tax and judgment search, legal description, and the 30-year historical search.
Read articleStart Your SBA Title Search Today
Fast, accurate, SBA-compliant title reports, nationwide. Order online in minutes, or talk to our team about your funding requirements.
Questions? Call 877-848-5337 ext. 138 or send us a message