{"ok":true,"canonical_url":"https://dealroom.so/glossary/borrowing-capacity","api_url":"https://dealroom.so/api/public/glossary/borrowing-capacity","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":"borrowing-capacity","term":"Borrowing Capacity","group":"The loan itself","definition":"The maximum amount of money you or a business can borrow based on financial health, collateral, and ability to repay. It dictates the size of the deal you can pursue.","what_it_means":"Your borrowing capacity for an SBA loan is determined by your personal credit, the business's cash flow, and available collateral. Lenders will assess your repayment capacity (DSCR) and overall leverage. Maximize your borrowing capacity by ensuring strong personal financials and a robust business plan.","url":"https://dealroom.so/glossary/borrowing-capacity","official_sources":[],"related":[{"slug":"repayment-capacity","term":"Repayment capacity","url":"https://dealroom.so/glossary/repayment-capacity"},{"slug":"dscr","term":"DSCR","url":"https://dealroom.so/glossary/dscr"},{"slug":"personal-financial-statement","term":"Personal financial statement","url":"https://dealroom.so/glossary/personal-financial-statement"},{"slug":"credit-report","term":"Credit report","url":"https://dealroom.so/glossary/credit-report"}],"related_questions":[{"question":"How does an SBA 7(a) loan typically handle seasonal businesses for repayment capacity?","url":"https://dealroom.so/sba-7a/questions/how-does-an-sba-7-a-loan-typically-handle-seasonal-businesses-for-repayment-capacity"}]},"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 — Borrowing Capacity","url":"https://dealroom.so/glossary/borrowing-capacity","source_type":"DealRoom Data"}}