{"ok":true,"canonical_url":"https://dealroom.so/glossary/collateral-requirements","api_url":"https://dealroom.so/api/public/glossary/collateral-requirements","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-requirements","term":"Collateral Requirements","group":"The loan itself","definition":"These are the assets the lender requires you to pledge to secure the loan. If you default, the lender can seize and sell these assets to recover their money.","what_it_means":"The SBA requires lenders to take all available business and personal assets as collateral, up to the loan amount. Don't expect to get an SBA loan without pledging everything you and the business own, even if there's a collateral shortfall.","url":"https://dealroom.so/glossary/collateral-requirements","official_sources":[{"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"},{"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":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"business-asset","term":"Business Asset","url":"https://dealroom.so/glossary/business-asset"},{"slug":"personal-asset","term":"Personal Asset","url":"https://dealroom.so/glossary/personal-asset"},{"slug":"blanket-lien","term":"Blanket Lien","url":"https://dealroom.so/glossary/blanket-lien"}],"related_questions":[{"question":"What are the general collateral requirements for an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-are-the-general-collateral-requirements-for-an-sba-7-a-loan"},{"question":"What is the specific SBA policy document that addresses collateral life insurance requirements?","url":"https://dealroom.so/sba-7a/questions/what-is-the-specific-sba-policy-document-that-addresses-collateral-life-insurance-requirem"},{"question":"What is the SBA's policy on collateral requirements if business assets are insufficient?","url":"https://dealroom.so/sba-loans/basics/what-is-the-sba-s-policy-on-collateral-requirements-if-business-assets-are-insufficient"},{"question":"What are the typical collateral requirements if the business has very few tangible assets?","url":"https://dealroom.so/sba-7a/questions/what-are-the-typical-collateral-requirements-if-the-business-has-very-few-tangible-assets"},{"question":"What are the minimum collateral requirements for a 7(a) loan over $50,000?","url":"https://dealroom.so/for-lenders/questions/what-are-the-minimum-collateral-requirements-for-a-7-a-loan-over-50-000"},{"question":"Does acquiring a business operating in multiple states complicate SBA 7(a) loan collateral requirements?","url":"https://dealroom.so/sba-7a/questions/does-acquiring-a-business-operating-in-multiple-states-complicate-sba-7-a-loan-collateral-"}]},"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 Requirements","url":"https://dealroom.so/glossary/collateral-requirements","source_type":"DealRoom Data"}}