{"ok":true,"canonical_url":"https://dealroom.so/glossary/deferred-payment","api_url":"https://dealroom.so/api/public/glossary/deferred-payment","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":"deferred-payment","term":"Deferred payment","group":"The loan itself","definition":"A scheduled loan payment that is postponed to a later date. This offers temporary financial relief but usually results in higher overall interest paid over the life of the loan.","what_it_means":"In certain situations, your lender might approve deferred payments, particularly during a workout arrangement or after a natural disaster. For an SBA 7(a) loan, any deferment must be approved by the lender and adhere to specific SBA servicing guidelines. It's a temporary measure, not a long-term solution for ongoing cash flow issues.","url":"https://dealroom.so/glossary/deferred-payment","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"}],"related":[{"slug":"workout-arrangement","term":"Workout arrangement","url":"https://dealroom.so/glossary/workout-arrangement"},{"slug":"deferred-principal-payment","term":"Deferred Principal Payment","url":"https://dealroom.so/glossary/deferred-principal-payment"},{"slug":"interest-only-payment","term":"Interest-Only Payment","url":"https://dealroom.so/glossary/interest-only-payment"},{"slug":"principal-repayment","term":"Principal repayment","url":"https://dealroom.so/glossary/principal-repayment"}],"related_questions":[{"question":"If a seller note is structured with deferred principal payments but immediate interest payments, does it still qualify as full standby?","url":"https://dealroom.so/sba-7a/questions/if-a-seller-note-is-structured-with-deferred-principal-payments-but-immediate-interest-pay"},{"question":"Can a seller note with deferred payments but no interest count as full standby for equity injection?","url":"https://dealroom.so/for-lenders/questions/can-a-seller-note-with-deferred-payments-but-no-interest-count-as-full-standby-for-equity-"},{"question":"What specific conditions allow a seller note with deferred principal payments but immediate interest to qualify as full standby?","url":"https://dealroom.so/for-lenders/questions/what-specific-conditions-allow-a-seller-note-with-deferred-principal-payments-but-immediat"},{"question":"If a seller note has deferred principal payments but pays interest from day one, does it qualify as full standby?","url":"https://dealroom.so/sba-7a/questions/if-a-seller-note-has-deferred-principal-payments-but-pays-interest-from-day-one-does-it-qu"},{"question":"What if the business I'm buying has existing deferred revenue or unearned income?","url":"https://dealroom.so/sba-7a/questions/what-if-the-business-i-m-buying-has-existing-deferred-revenue-or-unearned-income"},{"question":"Can a partial equity injection come from a deferred management bonus from my current employer?","url":"https://dealroom.so/sba-7a/questions/can-a-partial-equity-injection-come-from-a-deferred-management-bonus-from-my-current-emplo"}]},"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 — Deferred payment","url":"https://dealroom.so/glossary/deferred-payment","source_type":"DealRoom Data"}}