{"ok":true,"canonical_url":"https://dealroom.so/glossary/collateral-pledge","api_url":"https://dealroom.so/api/public/glossary/collateral-pledge","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":"collateral-pledge","term":"Collateral Pledge","group":"Doing the deal","definition":"This is when you formally offer assets, like your home or business equipment, as security for the SBA loan. It's how the lender ensures they can recover funds if you default.","what_it_means":"For an SBA 7(a) loan, lenders will take all available business and personal collateral up to the loan amount. You'll sign a Security Agreement and potentially a Mortgage, legally binding these assets to the loan. Understand what specific assets are being pledged and their valuation.","url":"https://dealroom.so/glossary/collateral-pledge","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":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"lien","term":"Lien","url":"https://dealroom.so/glossary/lien"},{"slug":"security-interest","term":"Security Interest","url":"https://dealroom.so/glossary/security-interest"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"}],"related_questions":[{"question":"Do I always need to pledge collateral for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/do-i-always-need-to-pledge-collateral-for-an-sba-7-a-loan"},{"question":"If the business's assets are insufficient, will I need to pledge personal assets as collateral?","url":"https://dealroom.so/sba-7a/questions/if-the-business-s-assets-are-insufficient-will-i-need-to-pledge-personal-assets-as-collate"},{"question":"Do I need to pledge personal collateral, like my home, for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/do-i-need-to-pledge-personal-collateral-like-my-home-for-an-sba-7-a-loan"},{"question":"If the business assets are not enough, will the SBA require me to pledge my primary residence as collateral for a $700,000 loan?","url":"https://dealroom.so/sba-7a/questions/if-the-business-assets-are-not-enough-will-the-sba-require-me-to-pledge-my-primary-residen"},{"question":"What types of assets are commonly pledged as collateral for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-types-of-assets-are-commonly-pledged-as-collateral-for-an-sba-7-a-loan"},{"question":"Can pledged marketable securities, like stocks, serve as additional collateral for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/can-pledged-marketable-securities-like-stocks-serve-as-additional-collateral-for-an-sba-7-"}]},"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 — Collateral Pledge","url":"https://dealroom.so/glossary/collateral-pledge","source_type":"DealRoom Data"}}