{"ok":true,"canonical_url":"https://dealroom.so/glossary/100-collateralization","api_url":"https://dealroom.so/api/public/glossary/100-collateralization","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"100-collateralization","term":"100% collateralization","group":"The loan itself","definition":"This means the total value of assets pledged as collateral equals or exceeds the loan amount. The SBA requires this whenever possible.","what_it_means":"The SBA requires lenders to secure loans with available collateral to the maximum extent possible, up to the loan amount. This doesn't mean you need to find outside collateral if the business assets are insufficient, but the lender must take all available business and personal assets. Don't confuse this with the SBA guaranty.","url":"https://dealroom.so/glossary/100-collateralization","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"collateral-shortfall","term":"Collateral shortfall","url":"https://dealroom.so/glossary/collateral-shortfall"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"},{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"}],"related_questions":[{"question":"Does a partner buyout require 100% ownership by the acquiring individual?","url":"https://dealroom.so/sba-7a/questions/does-a-partner-buyout-require-100-ownership-by-the-acquiring-individual"},{"question":"When acquiring a business, can an SBA loan finance 100% of the goodwill value?","url":"https://dealroom.so/sba-7a/questions/when-acquiring-a-business-can-an-sba-loan-finance-100-of-the-goodwill-value"},{"question":"Can an SBA 7(a) loan finance 100% of an existing partner's share buyout?","url":"https://dealroom.so/sba-7a/questions/can-an-sba-7-a-loan-finance-100-of-an-existing-partner-s-share-buyout"},{"question":"Can I use an SBA 7(a) loan to purchase a majority but not 100% of a business?","url":"https://dealroom.so/sba-loans/basics/can-i-use-an-sba-7-a-loan-to-purchase-a-majority-but-not-100-of-a-business"},{"question":"Can an SBA 7(a) loan be used to purchase a majority stake in a business, not 100%?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-be-used-to-purchase-a-majority-stake-in-a-business-not-100"},{"question":"Can an SBA 7(a) loan be used to purchase a majority but not 100% of a business?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-be-used-to-purchase-a-majority-but-not-100-of-a-business"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — 100% collateralization","url":"https://dealroom.so/glossary/100-collateralization","source_type":"DealRoom Data"}}