{"ok":true,"canonical_url":"https://dealroom.so/glossary/caivrs","api_url":"https://dealroom.so/api/public/glossary/caivrs","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":"caivrs","term":"CAIVRS","aka":"Credit Alert Interactive Voice Response System","group":"People and paperwork","definition":"This is a federal database that identifies individuals with delinquent federal debt, like defaulted student loans or prior federal loan defaults. Lenders check this for all key principals.","what_it_means":"If you or any key principal has a derogatory mark in CAIVRS, you'll be ineligible for an SBA loan until it's resolved. Pull your own credit reports and check for any federal delinquencies early in the process to avoid last-minute surprises.","url":"https://dealroom.so/glossary/caivrs","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"}],"related":[{"slug":"credit-report","term":"Credit report","url":"https://dealroom.so/glossary/credit-report"},{"slug":"derogatory-mark","term":"Derogatory mark","url":"https://dealroom.so/glossary/derogatory-mark"},{"slug":"key-principal","term":"Key principal","url":"https://dealroom.so/glossary/key-principal"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"}],"related_questions":[]},"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 — CAIVRS","url":"https://dealroom.so/glossary/caivrs","source_type":"DealRoom Data"}}