{"ok":true,"canonical_url":"https://dealroom.so/glossary/combined-size-analysis","api_url":"https://dealroom.so/api/public/glossary/combined-size-analysis","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":"combined-size-analysis","term":"Combined size analysis","group":"Reading the business","definition":"An SBA lender's assessment of whether a borrower, along with any affiliated businesses, meets the SBA's small business size standards. This is crucial for determining if the business is eligible for an SBA loan.","what_it_means":"The lender will add up the revenue or employee count of your target business and any other businesses you or the seller control or manage. If the combined entity exceeds the SBA's size standard for the primary industry, the business is ineligible for a 7(a) loan. Be proactive about identifying potential affiliations.","url":"https://dealroom.so/glossary/combined-size-analysis","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":"affiliation","term":"Affiliation","url":"https://dealroom.so/glossary/affiliation"},{"slug":"size-standard","term":"Size standard","url":"https://dealroom.so/glossary/size-standard"},{"slug":"common-officer","term":"Common officer","url":"https://dealroom.so/glossary/common-officer"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"}],"related_questions":[{"question":"What happens if the business assets and my personal assets combined are insufficient collateral for a $600,000 SBA loan, requiring additional security?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-the-business-assets-and-my-personal-assets-combined-are-insufficient-colla"},{"question":"What constitutes prudent lending standards for SBA 7(a) underwriting regarding credit analysis?","url":"https://dealroom.so/for-lenders/questions/what-constitutes-prudent-lending-standards-for-sba-7-a-underwriting-regarding-credit-analy"},{"question":"Beyond SBSS, what specific credit analysis must a lender perform for 7(a) Small Loans?","url":"https://dealroom.so/for-lenders/questions/beyond-sbss-what-specific-credit-analysis-must-a-lender-perform-for-7-a-small-loans"},{"question":"What specific documentation is required for a lender's independent credit analysis under prudent lending standards?","url":"https://dealroom.so/for-lenders/questions/what-specific-documentation-is-required-for-a-lender-s-independent-credit-analysis-under-p"},{"question":"What alternative credit analysis methods are acceptable for 7(a) Small Loans following the SBSS sunset?","url":"https://dealroom.so/for-lenders/questions/what-alternative-credit-analysis-methods-are-acceptable-for-7-a-small-loans-following-the-"},{"question":"How does the SBA evaluate \"prudent lending standards\" in 7(a) loan underwriting regarding collateral analysis?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-evaluate-prudent-lending-standards-in-7-a-loan-underwriting-regarding-col"}]},"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 — Combined size analysis","url":"https://dealroom.so/glossary/combined-size-analysis","source_type":"DealRoom Data"}}