{"ok":true,"canonical_url":"https://dealroom.so/glossary/caivrs-database","api_url":"https://dealroom.so/api/public/glossary/caivrs-database","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-database","term":"CAIVRS Database","aka":"Credit Alert Interactive Voice Response System","group":"People and paperwork","definition":"A federal database used by lenders to check if a borrower has defaulted on or has an outstanding federal debt, including prior SBA loans. It's a mandatory check for federal programs.","what_it_means":"Your lender will check CAIVRS during the application process. If you or any key principal have a federal debt delinquency, it will likely prevent you from getting an SBA loan until the issue is resolved. Be upfront about any past federal debts.","url":"https://dealroom.so/glossary/caivrs-database","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":"federal-debt-delinquency","term":"Federal Debt Delinquency","url":"https://dealroom.so/glossary/federal-debt-delinquency"},{"slug":"derogatory-mark","term":"Derogatory mark","url":"https://dealroom.so/glossary/derogatory-mark"},{"slug":"credit-report","term":"Credit report","url":"https://dealroom.so/glossary/credit-report"},{"slug":"good-character","term":"Good character","url":"https://dealroom.so/glossary/good-character"}],"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 Database","url":"https://dealroom.so/glossary/caivrs-database","source_type":"DealRoom Data"}}