{"ok":true,"canonical_url":"https://dealroom.so/glossary/creditworthiness","api_url":"https://dealroom.so/api/public/glossary/creditworthiness","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":"creditworthiness","term":"Creditworthiness","group":"Reading the business","definition":"Your ability and willingness to repay debt, as judged by lenders based on your financial history and current situation. It's a key factor in getting approved for any loan.","what_it_means":"Lenders assess your creditworthiness through your personal FICO score, credit report, and the financial health of the business you're acquiring. A strong profile, demonstrating a history of responsible debt management and sufficient cash flow, is crucial for securing a 7(a) loan.","url":"https://dealroom.so/glossary/creditworthiness","official_sources":[],"related":[{"slug":"credit-analysis","term":"Credit analysis","url":"https://dealroom.so/glossary/credit-analysis"},{"slug":"sbss-score","term":"SBSS score","url":"https://dealroom.so/glossary/sbss-score"},{"slug":"fico-score","term":"FICO score","url":"https://dealroom.so/glossary/fico-score"},{"slug":"repayment-capacity","term":"Repayment capacity","url":"https://dealroom.so/glossary/repayment-capacity"}],"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 — Creditworthiness","url":"https://dealroom.so/glossary/creditworthiness","source_type":"DealRoom Data"}}