{"ok":true,"canonical_url":"https://dealroom.so/glossary/caivrs-check","api_url":"https://dealroom.so/api/public/glossary/caivrs-check","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-check","term":"CAIVRS check","group":"People and paperwork","definition":"A mandatory check of the Credit Alert Interactive Voice Response System (CAIVRS) to see if you or any key principals have defaulted on federal debt, like previous SBA or student loans.","what_it_means":"Your lender will run a CAIVRS check on all key principals involved in the loan. If any individual has a past default on federal debt, it's a significant red flag and can prevent SBA loan approval. Address any potential issues upfront with your lender.","url":"https://dealroom.so/glossary/caivrs-check","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":"key-principal","term":"Key principal","url":"https://dealroom.so/glossary/key-principal"},{"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":"eligibility-criterion","term":"eligibility criterion","url":"https://dealroom.so/glossary/eligibility-criterion"}],"related_questions":[{"question":"Does the SBA check my personal credit score directly when I apply?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-check-my-personal-credit-score-directly-when-i-apply"},{"question":"What kind of records does the SBA check about my personal background?","url":"https://dealroom.so/sba-loans/basics/what-kind-of-records-does-the-sba-check-about-my-personal-background"},{"question":"Does the SBA check my personal background, like criminal history, for a loan?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-check-my-personal-background-like-criminal-history-for-a-loan"},{"question":"How do I check if a specific franchise system is eligible for SBA 7(a) financing?","url":"https://dealroom.so/sba-7a/questions/how-do-i-check-if-a-specific-franchise-system-is-eligible-for-sba-7-a-financing"},{"question":"Does the SBA check for past defaults on federal debts, like student loans or prior SBA loans?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-check-for-past-defaults-on-federal-debts-like-student-loans-or-prior-sba-loan"},{"question":"When is a lender required to conduct a criminal background check for non-owner managers or key employees of an applicant business?","url":"https://dealroom.so/for-lenders/questions/when-is-a-lender-required-to-conduct-a-criminal-background-check-for-non-owner-managers-or"}]},"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 check","url":"https://dealroom.so/glossary/caivrs-check","source_type":"DealRoom Data"}}