SBA fund control is the structured process of managing and verifying construction loan disbursements. It ensures that loan proceeds are released based on confirmed work in place and that all documentation meets lender and SBA requirements.

Fund control is typically required for:

  • SBA 7(a) construction loans
  • SBA 504 real estate development projects
  • Owner-occupied commercial construction
  • Renovation and adaptive reuse projects

Most SBA construction loans require fund control to ensure compliance with lender and SBA guidelines.

Independent third-party consultants, such as Moran Consultants, provide fund control services to ensure objective verification and reporting.

Fund control focuses on managing and verifying loan disbursements, ensuring funds are released based on completed work. Construction loan monitoring provides broader oversight, including budget review, schedule tracking, and identification of construction risks. While distinct, these services are often integrated to provide more comprehensive project oversight.