10. File Review Contract SOW (Revised) 03.19.2026.docx

Performance Work Statement (PWS) Loan File Review for Risk Oversight Support Services Office of Capital Access (OCA)/Office of Credit Risk Management (OCRM)

BPA Contract Number: [00000000] Solicitation Number: [000000] Amendment: [0000]

This Performance Work Statement (PWS) describes the firm‑fixed‑price services the contractor shall provide under this contract/blanket purchase agreement (BPA) to support SBA’s loan file review and risk oversight activities for 7(a) and 504 lenders. All tasks, outcomes, and deliverables identified in this PWS shall be ordered and compensated exclusively through the Contract Line Item Numbers (CLINs) set forth in Section B, which establish the applicable firm‑fixed‑price units (for example, per‑file review, per report, or per transition effort) for each defined scope of work. Offerors shall ensure that their technical and price proposals clearly align proposed approaches and prices with the corresponding CLINs

1. Purpose The contractor shall provide file review services to support OCRM's supervision of 7(a) Lenders and Certified Development Companies ("SBA Lenders") participating in the 7(a) and 504 Loan Programs. All services shall be provided under the supervision of an OCRM employee.

The contractor's services may be provided as part of a risk-based review, examination, audit, increased supervision, or enforcement action.

NOTE: Blanket Purchase Agreement (BPA) Performance Work Statement and Terms and Conditions are effective on all Task Orders.

2. Performance Work Statement Overview This Performance Work Statement describes the required outcomes and performance standards for loan file review and related risk oversight support services. The contractor shall furnish all labor, supervision, management, equipment, materials, facilities, and other services necessary to perform the requirements of this PWS, except as otherwise specified. Performance will be evaluated based on the quality, timeliness, and completeness of the deliverables identified herein and in individual Task Orders.

The contractor shall provide SBA with risk oversight services assistance; access to a virtual data warehouse, preferably with customer relationship management (CRM) and management workflow system (MWS) capabilities; and technical assistance in accordance with the general scope outlined herein. The contractor shall provide SBA with a detailed description of its proposed methodology for review, coordination, tracking, and follow-up as well as its plan for implementing its methodology for all tasks identified. The contractor is expected to work collaboratively with SBA employees, including OCRM, the Office of General Counsel (OGC), the Office of Performance Systems Management (OPSM), and the Office of Financial Program Operations (OFPO).

This PWS applies to the BPA and all orders issued under it. Each Task Order will identify the applicable tasks, volumes, and deliverables for that order.

3. Background OCRM's supervision of SBA Lenders participating in the 7(a) and 504 Loan Programs requires the review of judgmentally or randomly selected loans. Timely file review activities that result in reliable and defensible conclusions are critical to maintaining the integrity of the 7(a) and 504 Loan Programs as the activities assess an SBA Lender's continuing ability to evaluate, process, close, disburse, service, liquidate, and litigate SBA guaranteed loans which assists OCRM with identifying, assessing, and managing credit program risk.

The contractor shall ensure its operations are scalable, subject to continuous improvement, able to adapt to changes in SBA Loan Program Requirements, as defined in 13 CFR § 120.10, increasing loan volume, and increasingly sophisticated and complex loan files.

File review activities are routinely performed away from SBA headquarters, an SBA field office, or the SBA Lender's physical location. However, circumstances may require the review team to work at SBA headquarters, an SBA field office, or an SBA Lender's location for up to five business days. Instances where file review must be conducted at SBA headquarters, an SBA field office, or an SBA Lender's location are rare.

The file review services are commonly referred to as "loan review" and shall assess the overall compliance of individual loans with SBA Loan Program Requirements, as defined by 13 CFR § 120.10. The results of the individual loan files are aggregated and combined with other review activities to determine the risk an SBA Lender presents to the SBA.

4. NAICS Code and Labor Qualifications

4.1 NAICS Code

The applicable North American Industry Classification System (NAICS) code for this requirement is 541990 ("All Other Professional, Scientific, and Technical Services").

4.2 Project Manager Qualifications

The Project Manager shall have:

1. A minimum of five (5) years of recent experience working with 7(a) and 504 loans; and

2. Demonstrated experience managing teams performing loan review, examination, or audit services.

SBA prefers, but does not require, that the Project Manager hold a master's degree in accounting or a Juris Doctor (J.D.) degree from an American Bar Association (ABA) accredited law school and have at least ten (10) years of recent experience with 7(a) and 504 loans.

As part of the project, the Project Manager shall provide technical assistance to the SBA on an ad hoc basis. Technical assistance may include policy development.

4.3 File Review Staff Qualifications

File review staff shall have a minimum of five (5) years of recent experience working with 7(a) and/or 504 loans (for example, as a third-party reviewer, examiner, auditor, underwriter, closer, or liquidation specialist).

All staff shall receive no less than forty (40) aggregate hours of 7(a) and 504 Loan Program-specific training per fiscal year. SBA prefers classroom or structured virtual training but may accept equivalent structured training formats.

4.4 Language Capability

The contractor shall have the ability to review loan files that include information in Spanish.

5. High Level Description of Loan File Review Requirements The contractor shall provide the following services:

5.1 File Review Services

5.1.1 Pricing Structure

The contractor shall have a base price for core file review activities. In addition, the contractor shall have an additional charge to the base rate for specific circumstances to include whether the loan was approved by SBA or by the Lender under its delegated authority, SBA's collateral requirements, Agent involvement (e.g., referral agent broker, Lender Service Provider/Professional Services Corporation), Debt Refinance, Franchise, Special Transaction Structure, CAPLines, Export Trade Finance, 7(a) Manufacturer's Access to Revolving Credit (MARC) Loan program, and Pilot Program (which is currently only the Working Capital Program).

The contractor shall provide a fixed price for this task per file reviewed.

Loan file volume estimates provided in this PWS are for pricing and planning purposes only and do not represent a guarantee by the Government of any minimum or maximum quantity. Specific quantities, review types, and performance periods will be defined at the Task Order level.

5.1.2 Review Scopes

The scopes are summarized below. Loan volumes provided are estimates for pricing and planning only. SBA does not guarantee any minimum or maximum number of loan files. Actual work shall be assigned based on Agency needs.

i. Origination Application through the most recent/final disbursement. This includes but is not limited to Increased Supervision (e.g., Secondary Market Sales Evaluation: Loan-by-Loan Review). For loans originated under the 504 Loan Program, this shall include testing of Economic Development Objectives (13 CFR §§ 120.860, 120.861, and 120.862), Third Party Loan requirements, and Interim Financing requirements.

· 7(a) Loan Program: The estimated Base Year volume is 1,775 loan files.

· 504 Loan Program: The estimated Base Year volume is 700 loan files.

ii. Servicing Most recent/final disbursement through the review/examination/audit start date. Most of these loans shall have been previously subject to Origination testing or approved under the General Program.

· 7(a) Loan Program: The estimated Base Year volume is 700 loan files.

· 504 Loan Program: The estimated Base Year volume is 1,160 loan files.

iii. Liquidation All activities 90 days prior to the subject loan being transferred to Liquidation and all activities after the transfer. If the loan was not previously subject to Origination testing, the Liquidation scope shall require eligibility and disbursement testing.

· 7(a) Loan Program: The estimated Base Year volume is 100 loan files.

· 504 Loan Program: The estimated Base Year volume is 15 loan files.

iv. Partial File Review Narrow in scope (e.g., comparison of all SBA Forms, unsecured loan, the Credit Memorandum, and the Loan Closing Documents to E-Tran, confirmation that invoices/expenses comply with SBA Loan Program Requirements).

· 7(a) and 504 Loan Programs: These reviews shall be ad hoc based on OCRM's needs. The estimated annual volume is 40 loan files.

5.1.3 File Review Process

The contractor shall:

1. Using data and parameters provided by OCRM, formulate a recommendation that includes identification of the loans to be sampled and recommend review scope. The COR, or designee, shall evaluate the contractor's recommendation and make the final determination.

2. Once approval is granted by the COR, or designee, the contractor shall work with the subject SBA Lender to obtain the loan files selected for review.

3. Inventory the loan files, review the files, identify non-compliance issues and work with the SBA Lender to confirm or resolve the concern(s), and ensure that the SBA Lender understands the requirement and risk with any unresolved non-compliance items.

4. Provide a written summary of the results to the Lenders, the COR, or designee. Work with the COR, or designee, to finalize the summary for inclusion in the written report to be provided to the SBA Lender. The written summary shall function both to identify applicable loans for additional review if SBA is requested to honor the guaranty and as a coaching tool to modify the SBA Lender's behavior.

5. Submit invoices to SBA in accordance with the contract's invoicing and payment clauses and any Task Order-specific pricing instructions. The contractor shall not invoice SBA Lenders directly unless expressly authorized in writing by the Contracting Officer.

5.2 Data Warehouse

The contractor shall provide a secure, web-based platform where SBA Lenders upload the loans selected for review so that the SBA and the contractor can access the files.

The platform shall have features that support Customer Relationship Management (CRM) and Management Workflow System (MWS).

5.3 Deliverables

The contractor shall provide:

1. Weekly inventory of files uploaded in queue for review, files in the process of being reviewed, files reviewed with the preliminary deficiencies provided to the lender, files reviewed with a response received to the preliminary deficiencies, files reviewed that have finalized deficiencies, files that are going through quality control/quality assurance, files that have a draft summary of results that have been presented to SBA, files with the results accepted by SBA, files where the final report has been issued to the lender.

2. Monthly report summarizing the file review results for both individual SBA Lenders and cohorts.

6. Objectives The contractor shall provide support consistent with these objectives:

6.1 Oversight and Monitoring Familiarity

The contractor shall be familiar with SBA's existing oversight and monitoring activities and is capable of providing innovative approaches to support those processes, which include:

· Risk-Based Reviews, Examinations, and Audits of SBA Lenders conducted in accordance with 13 CFR Parts 103 and 120 and SBA Standard Operating Procedures (SOPs):

· SOP 51 00 "On-Site Lender Reviews/Examinations"

· SOP 50 53 "Lender Supervision & Enforcement"

· SOP 50 56 "Lender Participation Requirements"

· SOP 50 57 "7(a) Loan Servicing and Liquidation"

· SOP 50 55 "504 Loan Servicing and Liquidation", as amended from time to time The contractor's file review services shall determine if SBA Lenders are compliant with SBA Loan Program Requirements ("Requirements") as defined in 13 CFR § 120.10 and that the assessments of files and individual SBA Lenders are provided at the best value possible to SBA and 7(a) Lenders.

6.2 Comprehensive Understanding of SBA Requirements

The contractor shall possess a comprehensive understanding of SBA's requirements, including SBA regulations in 13 CFR Parts 103 and 120 and SOPs applicable to evaluating, processing, closing, disbursing, servicing, liquidating, and litigating 7(a) and 504 loans (i.e., SOPs 50 10 "Lender and Development Company Loan Programs", 50 57 "7(a) Loan Servicing and Liquidation", 50 55 "504 Loan Servicing and Liquidation", as amended from time to time).

6.3 File Inspection Capability

As part of its overall SBA Lender oversight and monitoring efforts, the contractor shall have the capability to conduct file inspection services consistent with the practices utilized by the various federal banking regulators. The contractor shall have recent experience conducting risk management reviews, examinations, and/or audits.

6.4 Current and Relevant Services

The contractor shall ensure that its services remain current, relevant, and reflective of federal government, regulatory, and industry best practices for loan review and risk management, as evidenced by the use of up-to-date regulatory guidance, SOPs, and examination methodologies.

6.5 Experience with Financial Standards and Forensic Reviews

The contractor shall be able to demonstrate experience performing reviews, examinations, and/or audits involving financial standards, forensic reviews, agreed upon procedure reviews, and reviews for fraud, waste, and abuse.

6.6 Virtual Data Warehouse Solution

The contractor shall be capable of providing and utilizing a virtual data warehouse solution. A virtual data warehouse is an online repository of information provided by the contractor that is used for the storage and distribution of documents. SBA seeks access to an existing commercial-off-the-shelf (COTS) solution.

6.7 COTS Tools and Customization

The contractor shall utilize COTS tools that shall support the file review requirements. Some solutions may require customization and configuration for implementation specifically for OCRM. The customization and configuration specifically for OCRM is anticipated in the contractor's response/pricing. OCRM shall own all data housed in the virtual data warehouse and tracking system.

7. Services The contractor shall provide services necessary to create an evaluation of individual loan files, which may be decisioned individually or aggregated. The file review activities contribute to OCRM's assessment of an SBA Lender's compliance with SBA Loan Program Requirements. The results may be aggregated further to identify industry trends with SBA Loan Program Requirements compliance. The contractor shall be responsible for working with SBA and SBA Lenders to perform the tasks. The contractor shall be responsible for tracking file reviews, related activities, and for aggregating information and data to establish deliverables that shall be provided to OCRM employees and SBA Lenders.

7.1 Oversight Activities

The contractor shall conduct oversight activities to include, but not limited to, file reviews that assess SBA Lender practices against both internal policies and procedures, commercially reasonable lending policies, procedures, standards, and practices employed by prudent lenders, along with SBA Loan Program Requirements. At a minimum, the file review activities shall include the extraction and analysis of data and other information from SBA data warehouses and SBA Lender files. Access to SBA's data warehouses shall be provided post award. The file review activities may be conducted on-site at the SBA Lender location, through electronic means, and other locations that are distant from the SBA Lender location, which include SBA's headquarters location in Washington, DC and/or established SBA office locations.

7.2 Loan File Reports

The contractor shall prepare a loan file report that outlines the condition, criteria, cause, effect, and corrective action for any weaknesses or deficiencies (exceptions) identified during the review.

7.3 Ancillary Reports

The contractor shall produce and prepare ancillary reports as requested by SBA.

8. Compliance Review

8.1 General

The contractor shall perform compliance loan reviews focused on specific areas as defined in the task order with all reviews assessing the SBA Lender's ability to evaluate, process, close, disburse, service, liquidate, and litigate loans based on the results of file review activities. The draft loan file review report shall be prepared by the contractor and delivered to the COR, or designee, via the virtual data warehouse within twenty-five (25) business days following the receipt of the complete loan file from the SBA Lender.

Within five (5) business days following receipt of the COR's, or designee's, comments on the draft loan file review report, the contractor shall incorporate the COR's, or designee's, comments into the final loan file review report and deliver it to OCRM via the virtual data warehouse.

Deliverables shall be defined at the Task Order Level.

Task Order assignments shall be discussed during the contractor weekly status meeting, with the attendees required to be OCRM’s Supervisory Financial Analysts and the contractor’s Project Manager. Following the meeting, the Task Order assignments shall be confirmed via email to the contractor’s Project Manager. OCRM typically assigns between 1 and 30 loans to be reviewed per SBA Lender at this weekly meeting, however, OCRM reserves the right to issue more than 30.

8.2 Increased Supervision (Secondary Market Sales Evaluation: 7(a) Loan-by-Loan Review) Within 30 days of the receipt of a complete loan file from the 7(a) Lender, the contractor shall perform review activities routinely focused on testing compliance with all SBA Loan Program Requirements from receipt of application through final disbursement to ensure that the 7(a) Lender can execute SBA Form 1086 in good faith.

For each 7(a) loan reviewed, the contractor shall work with the 7(a) Lender to resolve any preliminary exceptions and shall generate a memorandum detailing the level of compliance with SBA Loan Program Requirements.

Task Order assignments shall be in response to requests from 7(a) Lenders subject to this type of Increased Supervision.

Further details shall be added at the Task Order level.

9. File Exceptions The contractor shall document within its Work Papers its methodology used to determine whether an Exception is uncorrectable or correctable by an SBA Lender in accordance with SBA Loan Program Requirements.

9.1 Exception Definitions

· Uncorrectable Exception or Deficiency: Identifies a violation of an SBA Loan Program Requirement that cannot be corrected by the SBA Lender.

· Correctable Exception or Deficiency: Identifies a violation of an SBA Loan Program Requirement that can be corrected by the SBA Lender.

Work Papers shall support all contractor identified Exceptions or deficiencies in loan file documentation or analysis used to determine the SBA Lenders compliance with SBA Loan Program Requirements.

9.2 Exception Documentation Requirements

The contractor shall use the following points to clarify file deficiencies (Exceptions):

1. When the contractor prepares its loan file review reports, the contractor shall make sure that all Exceptions reference specific violations of the SBA Loan Program Requirements and the loan file review report format shall comply with OCRM's best practices. Failure to do so shall result in the rejection of the deliverable until compliance is met at no additional cost to the Government.

2. The contractor shall describe all Exceptions in a clear and concise manner.

3. The contractor shall document in the Work Papers how the contractor concluded an Exception was present as well as the specific loans that were included to support the Exception.

4. If the contractor suspects a systemic condition, the contractor shall describe the frequency of an Exception in the loan sample.

5. Each Exception shall address only one issue of non-compliance.

9.3 Written Communication Templates

The contractor shall draft recommended written communication templates for SBA Lender correspondence. Prior to use, the templates shall be approved by the COR, or designee. The contractor shall be responsible for transmission of approved communications.

The contractor shall maintain a documented methodology for the determination of Exceptions in submitted Work Papers.

10. Virtual Data Warehouse, Customer Relationship Management (CRM), and Management Workflow System (MWS)

10.1 Platform Provision

The contractor shall be responsible for providing access to a web-based virtual data warehouse. SBA prefers that the platform have built-in Customer Relationship Management (CRM) and Management Workflow System (MWS) capabilities to support the coordination of the SBA Lender review/monitoring. The virtual data warehouse shall incorporate information obtained through the performance of related contract functions. The virtual data warehouse, CRM, and MWS shall include, at a minimum, SBA Lender contact information, a record of communications with the SBA Lender, and tracking of the file review activities (pending, in process, and completed).

10.2 Internet Accessibility and Security

The contractor shall be responsible for ensuring that the virtual data warehouse, CRM, and MWS are internet accessible. The contractor shall demonstrate adherence to SBA's security requirements through its Technical Security Plan.

The contractor shall protect all SBA data, including Personally Identifiable Information (PII) and confidential business information, in accordance with applicable federal information security requirements and SBA policies identified in the contract. The contractor shall implement appropriate administrative, technical, and physical safeguards to ensure the confidentiality, integrity, and availability of SBA data stored, processed, or transmitted in the virtual data warehouse, CRM, MWS, and Document Management System.

10.3 Access and Data Ownership

The contractor shall be responsible for ensuring the virtual data warehouse is accessible to authorized SBA employees, its authorized representatives, and to individual SBA Lenders within their respective storage locations. The virtual data warehouse shall provide for upload of information by all users, and accessibility on-line, as well as the possibility to download permissions and other possible communications as defined in the Security and Confidential or Sensitive Information sections of this document.

Upon contract or BPA expiration or termination, the contractor shall provide SBA with a complete copy of all SBA-owned data in a mutually agreed, usable electronic format within sixty (60) calendar days.

OCRM shall own all data housed in the virtual data warehouse and tracking system.

10.4 Integrated Data Room and Maintenance

The contractor shall also provide and maintain the virtual data warehouse so that it is an integrated data room warehouse that is accessible to authorized SBA-users 24 hours a day through a secure internet website. The virtual data warehouse shall be used to file and catalogue data, images, and information developed.

10.5 Work Paper Retention

The contractor shall implement a work paper retention client management service. The contractor shall ensure that SBA has access to all Work Papers even after the term of this contract has ended.

10.6 User Access

The contractor shall ensure that SBA has access for up to 50 users, but no more than 75, for the virtual data warehouse, CRM, and the MWS.

11. Document Management System (DMS) The contractor shall provide a virtual data room/document management and workflow tracking solution that supports, at a minimum:

1. Information/Documentation sharing collaboration between the SBA Lender and SBA;

2. Virtual data warehouse to store, upload, and download Work Papers;

3. Search capability;

4. Web-based access; and

5. Workflow for data analytics and intelligence through role-based user access, which shall limit SBA Lenders' access to only information on loans in their portfolios.

The contractor shall implement a solution that serves as a virtual data warehouse to store electronic documents in a data store/warehouse.

The contractor shall implement a solution that supports all forms of documents, e.g., all versions of Microsoft Office, that OCRM is willing to accept.

The contractor shall implement a solution that utilizes workflow to track the SBA Lender oversight process from beginning to end. The contractor shall be responsible for all data upload of all completed Work Papers and shall be readable.

SBA Lenders shall have access to information and/or documents they have uploaded. Other access capabilities are anticipated for SBA and contractor team members.

12. Loan File Monitoring of Files' Structure and Work Papers' Structure The contractor shall establish and maintain official monitoring files for each SBA Lender's review with which it is engaged on the SBA's behalf. Monitoring files and Work Papers shall be sufficient to allow the contractor to effectively assess the risk, posed by the SBA Lender's practices, to the SBA. At a minimum but not limited to, the contractor shall maintain monitoring files containing all supplied data received by the SBA Lender and SBA. For example, this may include background information on the review activities, contact information for SBA Lenders' officials charged with facilitating the review, all correspondence with the SBA Lender that does not relate to specific review issues, as well as any SBA Lender documents provided to contractor.

The contractor shall also establish Work Papers covering all phases of a review, including the phase of planning the contractor's activities to document and "close out" individual findings/corrective actions contained in its loan file report. For the purposes of this statement of work, Work Paper(s) is defined as "a paper on which tentative figures, memoranda, data, or analyses of accounts are set down during the conducting of a survey (as a review) of a business," or, in this case, a contract. Work Papers shall be sufficient to fully document all review activities, how they were conducted, and to substantiate general conclusions in the report, as well as specific findings and their resolution.

12.1 Minimum Work Paper Contents

At a minimum, Work Papers shall include but not be limited to:

1. All planning documents;

2. Completed work sheets or checklists signed off by members of the contractor's review team;

3. Memoranda documenting each discussion with SBA Lender staff;

4. Copies of SBA Lender responses;

5. Copies of draft reports sent to the SBA;

6. Copy of the final SBA Lender's loan file report; and

7. All correspondence with the SBA Lender or with the SBA related to file review.

12.2 Deficiency Documentation

The contractor's Work Papers shall include separate folders documenting each deficiency. Each deficiency's documentation shall be sufficient to allow a third-party reviewer, such as the SBA's Office of Inspector General (OIG), to understand exactly how any risks were identified. Deficiency documentation in Work Papers shall include supporting documentation elements from the loan files, reports, loan histories, payment records, or others as identified.

Work Papers and monitoring files shall be maintained in a manner sufficient to permit SBA, the SBA Office of Inspector General (OIG), and other authorized federal oversight entities to understand exactly how any risks and Exceptions were identified and to replicate the contractor's conclusions if necessary. The Government may inspect Work Papers and related documentation at any time during performance and for the retention period specified in the contract.

12.3 Format and Security

The contractor's monitoring files and Work Papers may consist of paper or electronic versions of documents. Paper or electronic documents containing Personally Identifiable Information (PII), confidential business information of the SBA Lender, or SBA sensitive material shall be secured in accordance with the information security standards outlined in this document. The contractor shall provide OCRM with Work Papers in electronic format.

The contractor shall maintain Work Papers as specified above and available at any time as requested by the COR.

13. Process Update The loan review software system used by the contractor shall be updated to incorporate any general changes affecting SBA Loan Programs within 30 calendar days of implementation. These changes include general requirements established, Acts, Final Rules, Standard Operating Procedures, and Forms.

Updates due to changes in OCRM's processes or needs shall be implemented quarterly.

14. Roles and Decision Authority Only the Contracting Officer has authority to modify the terms and conditions of the contract or BPA. The Contracting Officer's Representative (COR) is authorized to provide technical direction within the scope of this PWS, monitor performance, and accept deliverables, but may not change contract price, schedule, or scope.

15. Deliverables Summary The following table summarizes key deliverables and associated performance standards:

Table 1: Key Deliverables and Performance Standards

15.1 Weekly and Monthly Status Reports

The contractor shall provide a weekly status report due on Monday of every week and a monthly status report due on the fifth business day following the end of the month on all SBA Lenders that have been reviewed.

The dashboard shall include the SBA Lender Name, Unique Identifier (e.g., FIRS and Location Identification), Review Type/Scope, SBA Notification Date, File Upload Date, Deliverable Due Date to SBA, Date Deliverable Submitted to SBA.

15.2 Daily Status Report (If Requested)

If requested by the Contracting Officer's Representative (COR), the contractor shall provide a daily status report on the review activities to include preliminary exceptions, findings, and file reviews completed to ensure clear communication on the progress of deliverables. It is anticipated that daily status reports would be warranted for SBA Lenders with the most significant and severe of issues, which require immediate resolution.

The daily status report shall include summaries for all correspondence, deficiencies/exceptions identified to date, and of challenges encountered.

16. Quality Assurance and Performance Monitoring The Government will monitor contractor performance through the following methods:

1. Review and acceptance of deliverables by the COR or designee;

2. Inspection of Work Papers and monitoring files;

3. Periodic quality assurance reviews of completed loan file reviews;

4. Assessment of timeliness, accuracy, and completeness of reports and communications;

5. Feedback from SBA Lenders regarding contractor professionalism and effectiveness; and

6. Compliance with security and data protection requirements.

Performance deficiencies identified through quality assurance activities shall be corrected by the contractor at no additional cost to the Government and within timeframes specified by the COR.

17. Period of Performance The base period of performance shall be one (1) year from the date of BPA award. The Government may exercise up to four (4) additional option years, each for a period of one (1) year, for a total potential contract period of five (5) years.

Task Orders may be issued at any time during the BPA period of performance and may extend beyond the BPA expiration date, subject to appropriate funding and contract terms.

18. Place of Performance The contractor shall perform work at its own facilities, except as follows:

1. On-site reviews at SBA Lender locations (rare, typically limited to five business days);

2. On-site work at SBA headquarters in Washington, DC (rare); or

3. On-site work at SBA field offices (rare).

The contractor shall be prepared to travel to SBA Lender locations, SBA headquarters, or SBA field offices as directed by the COR and specified in individual Task Orders.

19. Government-Furnished Property and Information The Government will provide the following to the contractor upon award:

1. Access to SBA data warehouses and relevant loan program data;

2. SBA Standard Operating Procedures (SOPs) and regulatory guidance;

3. Contact information for SBA Lenders subject to review;

4. Parameters for loan sampling and selection; and

5. Other information necessary to perform the requirements of this PWS and individual Task Orders.

The contractor shall protect all Government-furnished information in accordance with applicable security and confidentiality requirements.

20. Contractor-Furnished Property and Services The contractor shall furnish all personnel, equipment, materials, facilities, software, and other resources necessary to perform the requirements of this PWS, including but not limited to:

1. Virtual data warehouse, CRM, and MWS platforms;

2. Document management system (DMS);

3. Secure file transfer and storage capabilities;

4. Project management and quality assurance resources;

5. Trained and qualified staff meeting the requirements of Section 4;

6. Work paper management and retention systems; and

7. All other services, materials, and resources required to meet deliverable and performance standards.

21. Transition

21.1 Transition-In

Within thirty (30) calendar days of contract award, the contractor shall provide a transition plan describing how it will implement the virtual data warehouse, CRM, MWS, and DMS; establish communication protocols with SBA and SBA Lenders; and prepare to receive the first Task Order. The transition plan shall be submitted to the COR for review and approval.

21.2 Transition-Out

At least sixty (60) calendar days prior to contract expiration or termination, the contractor shall provide a transition-out plan describing how it will transfer all SBA-owned data, Work Papers, and other Government property to SBA or a successor contractor. The transition-out plan shall be submitted to the COR for review and approval.

The contractor shall cooperate fully with any successor contractor or SBA personnel to ensure continuity of services and minimal disruption to ongoing file review activities.

22. Travel Travel may be required to SBA Lender locations, SBA headquarters, or SBA field offices as specified in individual Task Orders. All travel shall be performed in accordance with the Federal Travel Regulation (FTR) and is included in the firm-fixed-price rates established for on-site support CLINs, subject to the terms and conditions of the contract.

The contractor shall obtain prior written approval from the COR before incurring any travel expenses.

23. Key Personnel The contractor shall designate the following as Key Personnel:

1. Project Manager (meeting qualifications in Section 4.2) Key Personnel may not be removed or replaced without prior written approval of the Contracting Officer. The contractor shall notify the Contracting Officer in writing at least thirty (30) calendar days prior to any anticipated change in Key Personnel and shall provide a detailed explanation of the circumstances necessitating the change, along with a resume and qualifications for the proposed replacement. The Government reserves the right to approve or disapprove proposed replacements.

If the Government determines that the performance of any Key Personnel is unsatisfactory, the Contracting Officer may request that the contractor replace such personnel. The contractor shall provide a fully qualified replacement within thirty (30) calendar days of receiving such request.

24. Security and Confidentiality The contractor shall comply with all applicable federal laws, regulations, and SBA policies regarding the protection of sensitive information, including but not limited to:

1. Personally Identifiable Information (PII);

2. Confidential business information of SBA Lenders;

3. SBA sensitive and proprietary information; and

4. Information covered by the Privacy Act of 1974, as amended.

The contractor shall ensure that all personnel with access to sensitive information complete required security and privacy training and execute appropriate non-disclosure agreements.

The contractor shall immediately report any suspected or confirmed security incidents, data breaches, or unauthorized disclosures to the COR and SBA's Chief Information Security Officer (CISO) in accordance with procedures specified in the contract.

25. Applicable Regulations and Guidance The contractor shall maintain current knowledge of and comply with the following regulations and guidance, as amended from time to time:

1. 13 CFR Part 103 (Standards for Agents, Including Lender Service Providers)

2. 13 CFR Part 120 (Business Loan Program Requirements)

3. SBA SOP 50 10 (Lender and Development Company Loan Programs)

4. SBA SOP 50 53 (Lender Supervision & Enforcement)

5. SBA SOP 50 55 (504 Loan Servicing and Liquidation)

6. SBA SOP 50 56 (Lender Participation Requirements)

7. SBA SOP 50 57 (7(a) Loan Servicing and Liquidation)

8. SBA SOP 51 00 (On-Site Lender Reviews/Examinations)

9. Other applicable federal statutes, regulations, and SBA guidance as specified by the COR The contractor shall update its processes, procedures, and review tools to reflect changes in applicable regulations and guidance within the timeframes specified in Section 13.

26. Assumptions and Constraints The following assumptions and constraints apply to this PWS:

1. SBA will provide timely access to data warehouses and necessary loan program information;

2. SBA Lenders will cooperate in providing requested loan files and documentation;

3. Estimated loan volumes are for planning purposes only and do not constitute a commitment by the Government;

4. The contractor shall be responsible for all costs associated with implementing and maintaining the virtual data warehouse, CRM, MWS, and DMS;

5. The contractor shall maintain adequate capacity and scalability to accommodate fluctuations in review volume; and

6. All deliverables and communications shall be provided in English unless otherwise specified in a Task Order.

Section B – Supplies or Services and Prices/Costs B.1 General The contractor shall provide all services described in the Performance Work Statement (PWS) on a firm‑fixed‑price basis, as ordered under the Contract/Blanket Purchase Agreement (BPA). Prices shall be proposed and invoiced in accordance with the Contract Line Item Numbers (CLINs) identified below. Each CLIN corresponds to specific work scopes defined in the PWS.

B.2 Price Schedule – Base Period CLIN 0001 – 7(a) Origination Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform 7(a) Origination Loan File Reviews in accordance with Sections 5.1.2(i) and 5 of the PWS (“Origination” scope), including all required file review, Exception identification and documentation, Work Papers, and draft and final loan file review reports.

· Unit: Each loan file

· Type: FFP

· Estimated Quantity (Base Period): [insert]

· Unit Price: $____

· Extended Amount: $____ CLIN 0002 – 504 Origination Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform 504 Origination Loan File Reviews in accordance with Sections 5.1.2(ii) and 5 of the PWS (“Origination” scope), including required testing of Economic Development Objectives, Third Party Loan, and Interim Financing requirements, as applicable.

· Unit: Each loan file

· Type: FFP

· Estimated Quantity: [insert] CLIN 0003 – 7(a) Servicing Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform 7(a) Servicing Loan File Reviews in accordance with Sections 5.1.2(ii) and 5 of the PWS (“Servicing” scope).

· Unit: Each loan file

· Type: FFP

· Estimated Quantity: [insert] CLIN 0004 – 504 Servicing Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform 504 Servicing Loan File Reviews in accordance with Sections 5.1.2(ii) and 5 of the PWS (“Servicing” scope).

· Unit: Each loan file

· Type: FFP

· Estimated Quantity: [insert] CLIN 0005 – 7(a) Liquidation Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform 7(a) Liquidation Loan File Reviews in accordance with Sections 5.1.2(iii) and 5 of the PWS (“Liquidation” scope), including eligibility and disbursement testing where required.

· Unit: Each loan file

· Type: FFP

· Estimated Quantity: [insert] CLIN 0006 – 504 Liquidation Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform 504 Liquidation Loan File Reviews in accordance with Sections 5.1.2(iii) and 5 of the PWS (“Liquidation” scope), including eligibility and disbursement testing where required.

· Unit: Each loan file

· Type: FFP

· Estimated Quantity: [insert] CLIN 0007 – Partial Loan File Review (7(a) and 504) – Firm‑Fixed‑Price per File

· Description: The contractor shall perform Partial Loan File Reviews in accordance with Sections 5.1.2(iv) and 5 of the PWS (“Partial File Review” scope), such as targeted reviews of SBA Forms, unsecured loans, credit memoranda, closing documents, or invoice/expense compliance.

· Unit: Each loan file

· Type: FFP

· Estimated Quantity: [insert]

B.3 Price Schedule – Additional/Special‑Scope Services (Base Period) CLIN 0008 – Special‑Scope / Forensic Loan File Review – Firm‑Fixed‑Price per File

· Description: The contractor shall perform Special‑Scope or Forensic Loan File Reviews as defined in individual Task Orders, when ordered, consistent with Section 5 and Section 6 of the PWS for compliance reviews and increased supervision or other special assignments. Each Task Order shall define the specific special scope, deliverables, and applicable performance standards.

· Unit: Each loan file (or defined review unit, as specified in the Task Order)

· Type: FFP

· Estimated Quantity: [insert or “TBD at TO level”] CLIN 0009 – Ad Hoc Analytics and Ancillary Reports – Firm‑Fixed‑Price per Report

· Description: The contractor shall provide Ad Hoc Analytics and Ancillary Reports beyond the standard weekly and monthly reports and dashboards described in Sections 5.3, 7.3, and 15.1–15.2 of the PWS when explicitly ordered in a Task Order. Each Task Order shall specify the report scope, data elements, and required format.

· Unit: Each report

· Type: FFP

· Estimated Quantity: [insert/TBD] CLIN 0010 – System Configuration / Customization Package – Firm‑Fixed‑Price per Package

· Description: The contractor shall perform discrete System Configuration and Customization Packages for the virtual data warehouse, CRM, and Management Workflow System (MWS) beyond the baseline configuration proposed at award, when ordered, in accordance with Sections 8, 9, and 11 of the PWS. Each Task Order shall define the specific configuration package scope and deliverables.

· Unit: Each configuration package

· Type: FFP

· Estimated Quantity: [insert/TBD]

B.4 Price Schedule – On‑Site Support and Transition (Base Period) CLIN 0011 – On‑Site Review Support – Firm‑Fixed‑Price per On‑Site Day

· Description: The contractor shall provide On‑Site Review Support at SBA headquarters, SBA field offices, or SBA Lender locations, when ordered, in accordance with Sections 3, 5, and 6 of the PWS. The fixed daily rate shall include all labor, travel, and related costs necessary to perform on‑site work.

· Unit: Each on‑site day

· Type: FFP

· Estimated Quantity: [insert/TBD] CLIN 0012 – Transition‑In – Firm‑Fixed‑Price, One‑Time

· Description: The contractor shall perform Transition‑In activities as described in the Section 21 of the PWS (Transition), including stand‑up of the virtual data warehouse/CRM/MWS environment, staff onboarding, baseline training, and initial configuration and coordination.

· Unit: Lot

· Type: FFP

· Quantity: 1 CLIN 0013 – Transition‑Out – Firm‑Fixed‑Price, One‑Time

· Description: The contractor shall perform Transition‑Out activities as described in the Section 21 of the PWS (Transition), including transfer of SBA‑owned data and Work Papers in usable electronic format and decommissioning/removal of SBA data from contractor systems.

· Unit: Lot

· Type: FFP

· Quantity: 1

B.5 Option Periods For each option period, the CLIN structure and descriptions in Sections B.2 through B.4 shall be repeated (e.g., CLINs 1001–1013, 2001–2013, etc.), with updated estimated quantities as appropriate. The PWS scopes referenced for each CLIN shall remain the same unless modified by bilateral contract amendment.

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