{"ok":true,"canonical_url":"https://dealroom.so/glossary/deal-restructuring","api_url":"https://dealroom.so/api/public/glossary/deal-restructuring","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":"deal-restructuring","term":"Deal restructuring","group":"Doing the deal","definition":"This involves modifying the terms of an acquisition, such as price, financing, or collateral, to make it viable for both buyer and seller. It's often necessary to meet SBA lending requirements.","what_it_means":"If the initial deal structure doesn't meet SBA guidelines (e.g., too much seller debt, insufficient equity injection, or a large collateral gap), you'll need to restructure. This might mean increasing your down payment, negotiating a different seller note structure (e.g., full standby), or finding additional collateral. Be prepared to go back to the seller with revised terms.","url":"https://dealroom.so/glossary/deal-restructuring","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":"seller-note","term":"Seller note","url":"https://dealroom.so/glossary/seller-note"},{"slug":"equity-injection","term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"slug":"collateral-gap","term":"Collateral gap","url":"https://dealroom.so/glossary/collateral-gap"},{"slug":"standby","term":"Standby","url":"https://dealroom.so/glossary/standby"}],"related_questions":[{"question":"What are the common deal-killing issues during underwriting of an SBA 7(a) acquisition loan?","url":"https://dealroom.so/sba-7a/questions/what-are-the-common-deal-killing-issues-during-underwriting-of-an-sba-7-a-acquisition-loan"},{"question":"If the seller refuses to provide a standby note for their portion, does that kill the deal?","url":"https://dealroom.so/sba-7a/questions/if-the-seller-refuses-to-provide-a-standby-note-for-their-portion-does-that-kill-the-deal"},{"question":"If the business I'm buying has a temporary decline in revenue during due diligence, will it kill the deal?","url":"https://dealroom.so/sba-7a/questions/if-the-business-i-m-buying-has-a-temporary-decline-in-revenue-during-due-diligence-will-it"},{"question":"If the business I'm buying has a temporary decline in revenue during the due diligence period, will it kill the deal?","url":"https://dealroom.so/for-lenders/questions/if-the-business-i-m-buying-has-a-temporary-decline-in-revenue-during-the-due-diligence-per"},{"question":"Can I include the purchase of commercial real estate, where the business operates, within the same SBA 7(a) loan for a $2 million deal?","url":"https://dealroom.so/sba-7a/questions/can-i-include-the-purchase-of-commercial-real-estate-where-the-business-operates-within-th"}]},"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 — Deal restructuring","url":"https://dealroom.so/glossary/deal-restructuring","source_type":"DealRoom Data"}}