47QACA26R0274 Solicitation LoanfileReviews.pdf

Request for proposal

47QACA26R0274

Loan File Review for Risk Oversight Support Services Small Business Administration

Office of Capital Access (OCA) / Office of Credit Risk Management (OCRM)

Procured By the General Services Administration, Federal Acquisition Service, Office Of Centralized Acquisition Services

Part I - The Schedule

Section A, Solicitation/Agreement form Section B, Supplies or Services and Prices/cost Section C, Description/specifications/requirements.

Section D, Packaging and marking.

Section E, Inspection and acceptance.

Section F, Deliveries or performance.

Section G, Award administration data Section H, Special Award requirements

Part II - Award Clauses

Section I, Award Clauses

Part III - List of Documents, Exhibits, and Other Attachments

Section J, List of attachments

Part IV - Representations and Instructions Section K, Representations, certifications, and other statements of offerors Section L, Instructions, conditions, and notices to offerors or respondents Section M, Evaluation factors for award

Section A, Solicitation/Agreement FormNOTE TO OFFERORS A 1449 will be issued at award.

Section B, Supplies Or Services And Prices/Cost See attached Performance Work Statement and Section B Pricing Sheet for More Information

Section C, Description/Specifications/Requirements.

C.1.0 OVERVIEW

C.1.1 Purpose The objective of this acquisition is to award a single award Blanket Purchase Agreement (BPA) in accordance with Federal Acquisition Regulation (FAR) part 12 Acquisition of Commercial products and Commercial Services and FAR part 15 Contracting by Negotiation and FAR subpart 16.7, for the services described in this RFP and its attachments. Note all FAR references are Revolutionary FAR Overhaul (RFO) references unless otherwise stated; in the event where there is a conflict between the FAR and RFO the RFO will take precedence.

This requirement is being set aside for Small Businesses. All small businesses including any SBA social economic categories are welcome to participate. The projected start dates are on or around the table below:

Period Start Date End Date

Base 9/1/2026 8/31/2027

Option 1 9/1/2027 8/31/2028

Option 2 9/1/2028 8/31/2029

Option 3 9/1/2029 8/31/2030

Option 4 9/1/2030 8/31/2031

Option to Extend Services

9/1/2031 2/29/2032

C.1.2 NAICS Code/Size Standard ThegovernmenthasdeterminedthatworkfallsunderthefollowingNAICSCodeforthis solicitationis541990("AllOtherProfessional,Scientific,andTechnicalServices").The size standard for this NAICS is $19.5 Million Dollars.

C.1.3 Commitment of Public Funds The Contracting Officer is the only individual who can legally commit the Government to the expenditure of public funds in connection with the proposed acquisition. Any other commitment, either explicit or implied, is invalid.

C.1.4 Questions Questions concerning this RFP must be submitted by May 28, 2026, at 1:00PM Eastern

Time via:

Email with the subject header “RFP 47QACA26R0274, Loan File Review for Risk Oversight Support Services” to Gregory Karpovics, the Contracting Officer at gregory.karpovics@gsa.gov.

The Government is not obligated to provide responses to any questions submitted after that date.

C.1.5 Pre Proposal Conference A virtual pre-proposal conference is scheduled for May 27, 2026 at 1:00 PM Eastern Time. Firms must register by completing the Google Form at the link below.

https://forms.gle/Ajoj1HEBuz4gCa2b7

The call-in information will be displayed on the submission confirmation page immediately after you submit the form. Additionally, for your records, an email containing a copy of your responses will be sent to the address you provided.

C.1.6 Proposal Due Date This RFP is being issued via Sam.gov only. All submissions directed by the RFP shall be via email to Gregory Karpovics at gregory.karpovics@gsa.gov. In order to be considered for award, proposals conforming to the requirements of the RFP must be received no later than:June 4, 2026,10:00 AM Eastern Time.

Proprietary information submitted in response to this solicitation shall be clearly marked as such and will be protected from unauthorized disclosure as required by Subsection 27 of the Office of Procurement Policy Act as amended (41 U.S.C.423) as implemented in the FAR. Any unmarked proprietary information will be considered releasable under the restrictions of the Freedom of Information Act.

Procurement Team

Contracting Officer:Gregory Karpovics Contracting Officer Email:gregory.karpovics@gsa.gov

Contracting Officer’s Supervisor/Branch Chief: Karen Dukes Supervisor Email:karen.dukes@gsa.gov

Contracting Officers Representative: Nikita Alexander Contracting Officer’s Representative Email:nikita.alexander@sba.gov

THE REQUIREMENT

C.2.1 Incorporation Of Documents

The Contractor must perform all work and provide all deliverables in accordance with the following documents, which are hereby incorporated into this Solicitation by reference:

Attachment 1: Offer for Standard Services/Section B Pricing Sheet Attachment 2: Quality Assurance Surveillance Plan (QASP) Attachment 3: Past Performance and Corporate Experience Reference Form Contractor’s Technical Proposal (Note: the Contractor’s Quality Control Plan (QCP) will form part of their technical proposal.)

C.2.2 Performance Work Statement The Contractor must provide all personnel, equipment, and resources required to achieve the objectives of this Order as detailed in the attached PWS.

C.2.2.1 In-Scope Activities The following categories define the performance boundaries of this Contract:

Category 1: Loan File Reviews Category 2: Virtual Data Warehouse management, Customer Relationship Management (CRM), and Management Workflow System (MWS) Category3:AdditionalServicerequests:SpecialScope/ForensicLoanFileReviews,Ad hocAnalyticsandAncillaryReports,SystemConfiguration/Customizationofvirtualdata warehouse, CRM, and MWS Category 4: Transition In and Transition Out Services

C.2.2.2 Out-of-Scope Activities The Contractor is prohibited from performing work outside these boundaries. Any work performed in these areas without a formal modification signed by the Contracting Officer (CO) is at the Contractor's own financial risk.

C.2.3 Performance Objectives The Contractor must deliver a solution that achieves the following high-level outcomes:

File Review Services See Sec. 5.1 PWS Data Warehouse See Sec 5.2 PWS Deliverables See Sec 5.3 PWS

C.2.4 Key Personnel See Key Personnel in the Performance Work Statement See Sec.23 PWS

C.2.5 Data Rights

2.5.1 Government Rights: The Government must have Unlimited Rights to all deliverables, source code, and work products produced under any Order off this BPA.

2.5.2 Pre-existing Intellectual Property (IP): Any pre-existing Contractor Intellectual Property must be identified and marked in writing to the CO prior to incorporation.

C.2.6 Contractual Milestones (Schedule)

2.6.1 Milestone Definition: Milestones are critical points in the project schedule that trigger progress reviews or payment eligibility.

C.2.6.2 Milestone Table - Reserved C.2.7 Contractual Deliverables (Work Products)

2.7.1 Acceptance: The Government must have 10 business days to review deliverables.

Acceptance must be confirmed in writing by the Contracting Officer Representative

(COR).

2.7.2 Deliverable Table

See Deliverables Summary in Sec. 15 of the PWS.

2.7.3 Invoicing Requirements (Not Separate Deliverables): The Contractor must include the following as attachments to each invoice. These are not billed as separate deliverables, but are required for payment processing:

● Cost Detail

● Travel CLINs

● Copy of all third-party receipts.

COR must not sign off on an invoice if the corresponding surveillance for that period shows uncorrected deficiencies or missed deliverables.

C.2.8 Transition Requirements See Sec. 21 of the PWS

Performance Work Statement (PWS)

Loan File Review for Risk Oversight Support Services

Office of Capital Access (OCA)/Office of Credit Risk Management (OCRM)

BPA Award Number:[TBD] Solicitation Number:[47QACA26R0274] Amendment:[0000]

This PerformanceWorkStatement(PWS)describesthefirm-fixed-priceservicesthecontractor shallprovideunderthisblanketpurchaseagreement(BPA)tosupportSBA’sloanfilereviewand riskoversightactivitiesfor7(a)and504lenders.Alltasks,outcomes,anddeliverablesidentified in this PWS shall be ordered and compensated exclusively through the Contract Line Item Numbers(CLINs)setforthinSectionB,whichestablishtheapplicablefirm-fixed-priceunits(for example, per-file review, per report, or per transition effort) for each defined scope of work.

Offerorsshallensurethattheirtechnicalandpriceproposalsclearlyalignproposedapproaches and prices with the corresponding CLINs

1. Purpose

ThecontractorshallprovidefilereviewservicestosupportOCRM'ssupervisionof7(a)Lenders and Certified Development Companies ("SBALenders")participatinginthe7(a)and504Loan 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 orders.

2. Performance Work Statement Overview

ThisPerformanceWorkStatementdescribestherequiredoutcomesandperformancestandards for loan file review and related risk oversight support services. The contractorshallfurnishall labor, supervision, management, equipment, materials, facilities, and other services necessarytoperformtherequirementsofthisPWS,exceptasotherwisespecified.Performance will be evaluated based on the quality, timeliness, and completeness of the deliverables identified herein and in individual orders.

ThecontractorshallprovideSBAwithriskoversightservicesassistance;accesstoavirtualdata 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 collaborativelywithSBAemployees,includingOCRM,theOfficeofGeneralCounsel(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 order will identify the applicable tasks, volumes, and deliverables for that order.

3. Background

OCRM's supervisionofSBALendersparticipatinginthe7(a)and504LoanProgramsrequires thereviewofjudgmentallyorrandomlyselectedloans.Timelyfilereviewactivitiesthatresultin reliable and defensible conclusions are critical to maintaining the integrity of the7(a)and504 LoanProgramsastheactivitiesassessanSBALender'scontinuingabilitytoevaluate,process, close,disburse,service,liquidate,andlitigateSBAguaranteedloanswhichassistsOCRMwith identifying, assessing, and managing credit program risk.

Thecontractorshallensureitsoperationsarescalable,subjecttocontinuousimprovement,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.

FilereviewactivitiesareroutinelyperformedawayfromSBAheadquarters,anSBAfieldoffice, ortheSBALender'sphysicallocation.However,circumstancesmayrequirethereviewteamto 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 SBAheadquarters,anSBA field office, or an SBA Lender's location are rare.

Thefilereviewservicesarecommonlyreferredtoas"loanreview"andshallassesstheoverall complianceofindividualloanswithSBALoanProgramRequirements,asdefinedby13CFR§

120.10. The results of the individualloanfilesareaggregatedandcombinedwithotherreview 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 accountingoraJurisDoctor(J.D.)degreefromanAmericanBarAssociation(ABA)accredited law school and have at least ten (10) years of recent experience with 7(a) and 504 loans.

Aspartoftheproject,theProjectManagershallprovidetechnicalassistancetotheSBAonan adhocbasis.Suchassistancemayincludeanalyses,feasibilitystudies,orstrategyoptionstobe used by SBA personnel in developing policy; however, SBA will retain sole responsibility and authority for all policy determinations and regulatory decisions.

4.3 File Review Staff Qualifications

File review staff shallhaveaminimumoffive(5)yearsofrecentexperienceworkingwith7(a) and/or 504 loans(forexample,asathird-partyreviewer,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-specifictrainingperfiscalyear.SBAprefersclassroomorstructuredvirtualtrainingbut 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 basepriceforcorefilereviewactivities.Inaddition,thecontractor shall have an additional charge to the base rateforspecificcircumstancestoincludewhether the loanwasapprovedbySBAorbytheLenderunderitsdelegatedauthority,SBA'scollateral 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.

LoanfilevolumeestimatesprovidedinthisPWSareforpricingandplanningpurposesonlyand donotrepresentaguaranteebytheGovernmentofanyminimumormaximumquantity.Specific quantities, review types, and performance periods will be defined at the order level.

5.1.2 Review Scopes

The scopes are summarized below. Loan volumes provided are estimates for pricing and planning only.SBAdoesnotguaranteeanyminimumormaximumnumberofloanfiles.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 toOriginationtestingorapprovedundertheGeneral 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 loanbeingtransferredtoLiquidationandallactivities 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

Narrowinscope(e.g.,comparisonofallSBAForms,unsecuredloan,theCreditMemorandum, 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 thefinal 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.Inventorytheloanfiles,reviewthefiles,identifynon-complianceissuesandworkwiththe 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.ProvideawrittensummaryoftheresultstotheLenders,theCOR,ordesignee.Workwith the COR, or designee, to finalize the summary for inclusion in the written report tobe provided to the SBA Lender. The written summary shall function both to identify applicableloansforadditionalreviewifSBAisrequestedtohonortheguarantyandasa coaching tool to modify the SBA Lender's behavior.

5.SubmitinvoicestoSBAinaccordancewiththeBPA’sinvoicingandpaymentclausesand any 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 havefinalizeddeficiencies,filesthataregoingthroughqualitycontrol/qualityassurance, filesthathaveadraftsummaryofresultsthathavebeenpresentedtoSBA,fileswiththe 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-BasedReviews,Examinations,andAuditsofSBALendersconductedinaccordance with 13 CFR Parts 103 and 120 and SBA Standard Operating Procedures (SOPs):

o SOP 51 00 "On-Site Lender Reviews/Examinations" o SOP 50 53 "Lender Supervision & Enforcement" o SOP 50 56 "Lender Participation Requirements" o SOP 50 57 "7(a) Loan Servicing and Liquidation" o 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 assessmentsoffilesandindividualSBALendersareprovidedatthebestvaluepossibletoSBA and 7(a) Lenders.

6.2 Comprehensive Understanding of SBA Requirements

The contractor shallpossessacomprehensiveunderstandingofSBA'srequirements,including SBA regulationsin13CFRParts103and120andSOPsapplicabletoevaluating,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

AspartofitsoverallSBALenderoversightandmonitoringefforts,thecontractorshallhavethe capabilitytoconductfileinspectionservicesconsistentwiththepracticesutilizedbythevarious 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, andreflectiveoffederal 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 virtualdatawarehousesolution.A virtual data warehouse is an online repository of information providedbythecontractorthatis 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 solutionsmayrequirecustomizationandconfigurationforimplementationspecificallyforOCRM.

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 necessarytocreateanevaluationofindividualloanfiles, 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 workingwithSBAandSBA Lenders to perform the tasks. The contractor shall be responsible for tracking file reviews, relatedactivities,andforaggregatinginformationanddatatoestablishdeliverablesthatshallbe provided to OCRM employees and SBA Lenders.

7.1 Oversight Activities

The contractor shall conduct oversight activities to include, but not limited to, filereviewsthat assess SBA Lender practices against both internal policies and procedures, commercially reasonablelendingpolicies,procedures,standards,andpracticesemployedbyprudentlenders, 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 andSBALenderfiles.AccesstoSBA'sdatawarehousesshallbeprovidedpostaward.Thefile review activities may be conducted on-site at the SBA Lender location, through electronic means,andotherlocationsthataredistantfromtheSBALenderlocation,whichincludeSBA's headquarters location in Washington, DC and/or established SBA office locations.

7.2 Loan File Reports

The contractorshallpreparealoanfilereportthatoutlinesthecondition,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 areasasdefinedin the order with all reviews assessing the SBA Lender's ability to evaluate, process, close, disburse, service, liquidate, and litigate loans basedontheresultsoffilereviewactivities.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 order Level.

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 order assignments shall be confirmed via email to the contractor’s Project Manager. OCRM typically assignsbetween1and30loanstobereviewed per SBALenderatthisweeklymeeting,however,OCRMreservestherighttoissuemorethan 30.

8.2 Increased Supervision (Secondary Market Sales Evaluation: 7(a) Loan-by-Loan Review)

Within 30 days of the receipt of a complete loanfilefromthe7(a)Lender,thecontractorshall 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 preliminaryexceptionsandshallgenerateamemorandumdetailingthelevelofcompliancewith SBA Loan Program Requirements.

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 order level.

9. File Exceptions

The contractor shall document within its Work Papers its methodology used to determine whetheranExceptionisuncorrectableorcorrectablebyanSBALenderinaccordancewithSBA 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 thecontractorpreparesitsloanfilereviewreports,thecontractorshallmakesure thatallExceptionsreferencespecificviolationsoftheSBALoanProgramRequirements andtheloanfilereviewreportformatshallcomplywithOCRM'sbestpractices.Failureto 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 supportthe 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 beapprovedbytheCOR,ordesignee.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

Thecontractorshallberesponsibleforprovidingaccesstoaweb-basedvirtualdatawarehouse.

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 MWSshallinclude,ataminimum,SBALendercontactinformation,arecordofcommunications 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.

ThecontractorshallprotectallSBAdata,includingPersonallyIdentifiableInformation(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 authorizedSBAemployees,itsauthorizedrepresentatives,andtoindividualSBALenderswithin 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 definedintheSecurityandConfidentialor Sensitive Information sections of this document.

Upon BPA or order order expiration or termination, the contractor shall provide SBA with a completecopyofallSBA-owneddatainamutuallyagreed,usableelectronicformatwithinsixty

(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 contractorshallensurethatSBAhasaccesstoallWorkPapersevenafterthetermofthisBPA 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 oversightprocessfrombeginningtoend.Thecontractorshallberesponsibleforalldataupload 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

ThecontractorshallestablishandmaintainofficialmonitoringfilesforeachSBALender'sreview 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, totheSBA.Ataminimumbutnotlimitedto,thecontractorshallmaintainmonitoring files containing all supplied datareceivedbytheSBALenderandSBA.Forexample,thismay include background information on the review activities, contact information for SBA Lenders' officials charged with facilitating thereview,allcorrespondencewiththeSBALenderthatdoes not relate to specific review issues, as well as any SBA Lender documents provided to contractor.

The contractor shall also establish Work Papers coveringallphasesofareview,includingthe phase of planning the contractor's activities to document and "close out" individual findings/correctiveactionscontainedinitsloanfilereport.Forthepurposesofthisstatementof 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.

WorkPapersandmonitoringfilesshallbemaintainedinamannersufficienttopermitSBA,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 documentationatanytimeduringperformanceandfortheretentionperiodspecifiedintheBPA/ order.

12.3 Format and Security

Thecontractor'smonitoringfilesandWorkPapersmayconsistofpaperorelectronicversionsof documents. Paper or electronic documents containing PersonallyIdentifiableInformation(PII), confidentialbusinessinformationoftheSBALender,orSBAsensitivematerialshallbesecured inaccordancewiththeinformationsecuritystandardsoutlinedinthisdocument.Thecontractor 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.

Thesechangesincludegeneralrequirementsestablished,Acts,FinalRules,StandardOperating 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 order or BPA.TheContractingOfficer'sRepresentative(COR)isauthorizedtoprovidetechnicaldirection within the scope of this PWS, monitor performance, and accept deliverables, but may not change the order price, schedule, or scope based on this BPA..

15. Deliverables Summary

The following table summarizes key deliverables and associated performance standards:

Deliverable Trigger Due Date Recipient Format

Draft loan file review report

Receipt of complete loan file

25 business days

COR/desig ne e

Via virtual data warehouse

Final loan file review report

Receipt of COR comments

5 business days

OCRM Via virtual data warehouse

Weekly status report/dashboard

Ongoing reviews Monday each week

COR/desig ne e

Electronic

Monthly status report

Month-end 5th business day after month end

COR/desig ne e

Electronic

Daily status report (if requested)

Ongoing reviews of high-risk lenders

As requested by COR

COR/desig ne e

Electronic

Loan sampling recommendation

Receipt of

OCRM

data/parameter s

As specified in Task Order

COR/desig ne e

Electronic

Written summary of results

File review completion

Per Task Order timeline

COR/SBA

Lender

Electronic

Complete data transfer

BPA

expiration or termination

Within 60 calendar days

SBA Mutually agreed electronic format

Table 1: Key Deliverables and Performance Standards

15.1 Weekly and Monthly Status Reports

ThecontractorshallprovideaweeklystatusreportdueonMondayofeveryweekandamonthly status report due on the fifth business dayfollowingtheendofthemonthonallSBALenders that have been reviewed.

The dashboardshallincludetheSBALenderName,UniqueIdentifier(e.g.,FIRSandLocation 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 contractorshallprovidea 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 BPA period of five (5) years.

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 order 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 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 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 BPA award, the contractor shall provide a transition plan describing how it will implement the virtual data warehouse, CRM, MWS,andDMS;establish communicationprotocolswithSBAandSBALenders;andpreparetoreceivethefirstorder.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 BPA expiration or termination, the contractor shall provide a transition-out plan describing how it will transfer allSBA-owneddata,WorkPapers, andotherGovernmentpropertytoSBAorasuccessorcontractor.Thetransition-outplanshall 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 specifiedinindividualorders.AlltravelshallbeperformedinaccordancewiththeFederalTravel 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) KeyPersonnelmaynotberemovedorreplacedwithoutpriorwrittenapprovaloftheContracting Officer. The contractor shall notifytheContractingOfficerinwritingatleastthirty(30)calendar dayspriortoanyanticipatedchangeinKeyPersonnelandshallprovideadetailedexplanation of the circumstances necessitating the change, along with a resume andqualificationsforthe proposed replacement. The Governmentreservestherighttoapproveordisapproveproposed replacements.

IftheGovernmentdeterminesthattheperformanceofanyKeyPersonnelisunsatisfactory,the ContractingOfficermayrequestthatthecontractorreplacesuchpersonnel.Thecontractorshall 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,orunauthorizeddisclosurestotheCORandSBA'sChiefInformationSecurityOfficer (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 order.

Section B – Supplies or Services and Prices/Costs B.1 General The contractor shall provide allservicesdescribedinthePerformanceWorkStatement(PWS) on a firm-fixed-price basis, as ordered under the 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 thePWS(“Origination”scope),includingall requiredfilereview,Exceptionidentificationanddocumentation,WorkPapers,anddraft and final loan file review reports.

● Unit: Each loan file

● Type: FFP

● Estimated Quantity (Base Period): 1,775

● Unit Price: $____

● Extended Amount: $____

CLIN 0002 – 504 Origination Loan File Review – Firm-Fixed-Price per File ●Description:Thecontractorshallperform504OriginationLoanFileReviewsinaccordance withSections5.1.2(ii)and5ofthePWS(“Origination”scope),includingrequiredtesting of Economic Development Objectives, Third Party Loan, and Interim Financing requirements, as applicable.

● Unit: Each loan file

● Type: FFP

● Estimated Quantity:700

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: 700

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:1,160

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: 100

CLIN 0006 – 504 Liquidation Loan File Review – Firm-Fixed-Price per File ●Description:Thecontractorshallperform504LiquidationLoanFileReviewsinaccordance with Sections 5.1.2(iii) and 5 of the PWS (“Liquidation” scope), including eligibilityand disbursement testing where required.

● Unit: Each loan file

● Type: FFP

● Estimated Quantity: 15

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: 40

CLIN 0008 –Virtual Data Warehouse - Firm-Fixed Price per Month

● Description: 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).

● Unit: Month

● Type: FFP

● Estimated Quantity 12 months per year

B.3 Price Schedule – Additional/Special-Scope Services (Base Period) CLIN 0009

– Special-Scope / Forensic Loan File Review – Firm-Fixed-Price per File

●Description:ThecontractorshallperformSpecial-ScopeorForensicLoanFileReviewsas definedinindividualorder,whenordered,consistentwithSection5andSection6ofthe PWS for compliance reviews and increased supervision or other special assignments.

Each order shall define the specific special scope, deliverables, and applicable performance standards.

● Unit: Each loan file (or defined review unit, as specified in the order) ● Type: FFP

● Estimated Quantity: 1

CLIN 0010 – Ad Hoc Analytics and Ancillary Reports – Firm-Fixed-Price per Report

● Description: The contractor shallprovideAdHocAnalyticsandAncillaryReportsbeyond…