{"ok":true,"canonical_url":"https://dealroom.so/glossary/all-in-rate","api_url":"https://dealroom.so/api/public/glossary/all-in-rate","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":"all-in-rate","term":"All-in rate","group":"The loan itself","definition":"This is the total interest rate you pay on your SBA loan, combining the base rate (like WSJ Prime) and the lender's spread. It's crucial for calculating your actual monthly payments and overall loan cost.","what_it_means":"Your 7(a) loan will have a variable interest rate tied to a base rate plus a spread set by the lender, capped by SBA rules. When comparing loan offers, always focus on the \"all-in rate\" to understand your true borrowing cost, not just the base rate or spread in isolation.","url":"https://dealroom.so/glossary/all-in-rate","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":"variable-rate","term":"Variable rate","url":"https://dealroom.so/glossary/variable-rate"},{"slug":"wsj-prime","term":"WSJ Prime","url":"https://dealroom.so/glossary/wsj-prime"},{"slug":"spread","term":"Spread","url":"https://dealroom.so/glossary/spread"},{"slug":"principal-and-interest","term":"Principal and interest","url":"https://dealroom.so/glossary/principal-and-interest"}],"related_questions":[{"question":"What is the Wall Street Journal Prime Rate's role in SBA 7(a) loan interest rates?","url":"https://dealroom.so/sba-loans/basics/what-is-the-wall-street-journal-prime-rate-s-role-in-sba-7-a-loan-interest-rates"},{"question":"How does a change in the prime rate (or other base rate) affect my variable rate SBA 7(a) loan payments?","url":"https://dealroom.so/sba-7a/questions/how-does-a-change-in-the-prime-rate-or-other-base-rate-affect-my-variable-rate-sba-7-a-loa"},{"question":"What alternative base rates are available for variable-rate 7(a) loans besides the Wall Street Journal Prime rate?","url":"https://dealroom.so/for-lenders/questions/what-alternative-base-rates-are-available-for-variable-rate-7-a-loans-besides-the-wall-str"},{"question":"Does the SBA set all the specific loan terms like interest rates and repayment?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-set-all-the-specific-loan-terms-like-interest-rates-and-repayment"},{"question":"How must a lender document the chosen base rate for a variable rate 7(a) loan in the loan authorization?","url":"https://dealroom.so/for-lenders/questions/how-must-a-lender-document-the-chosen-base-rate-for-a-variable-rate-7-a-loan-in-the-loan-a"},{"question":"Does the SBA dictate all loan terms, like interest rates and fees, for 7(a) loans?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-dictate-all-loan-terms-like-interest-rates-and-fees-for-7-a-loans"}]},"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 — All-in rate","url":"https://dealroom.so/glossary/all-in-rate","source_type":"DealRoom Data"}}