{"ok":true,"canonical_url":"https://dealroom.so/glossary/fixed-rate-treasury","api_url":"https://dealroom.so/api/public/glossary/fixed-rate-treasury","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":"fixed-rate-treasury","term":"Fixed Rate Treasury","group":"The loan itself","definition":"Refers to the interest rate on an SBA loan being tied to a specific Treasury index, with a fixed spread added by the lender. This gives you a consistent interest rate for the life of the loan.","what_it_means":"The SBA permits fixed rates for 7(a) loans, but they are less common for acquisitions. If offered, the rate is often based on a Treasury index plus a fixed spread. This provides predictability in your monthly payments, shielding you from rising interest rates. Evaluate if the fixed rate premium is worth it.","url":"https://dealroom.so/glossary/fixed-rate-treasury","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":"treasury-index","term":"Treasury Index","url":"https://dealroom.so/glossary/treasury-index"},{"slug":"variable-rate","term":"Variable rate","url":"https://dealroom.so/glossary/variable-rate"},{"slug":"spread","term":"Spread","url":"https://dealroom.so/glossary/spread"},{"slug":"fixed-interest-rate","term":"Fixed interest rate","url":"https://dealroom.so/glossary/fixed-interest-rate"}],"related_questions":[{"question":"Are fixed-rate or variable-rate options more common for SBA 7(a) loans?","url":"https://dealroom.so/sba-loans/basics/are-fixed-rate-or-variable-rate-options-more-common-for-sba-7-a-loans"},{"question":"What is the difference between a fixed interest rate and a variable interest rate on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-difference-between-a-fixed-interest-rate-and-a-variable-interest-rate-on-an-sb"},{"question":"What is the primary difference between a variable rate and a fixed rate SBA 7(a) loan for a borrower?","url":"https://dealroom.so/sba-7a/questions/what-is-the-primary-difference-between-a-variable-rate-and-a-fixed-rate-sba-7-a-loan-for-a"},{"question":"What is the main difference between a 'fixed' and 'variable' interest rate for a loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-main-difference-between-a-fixed-and-variable-interest-rate-for-a-loan"},{"question":"Can my SBA 7(a) loan have a fixed interest rate instead of a variable one?","url":"https://dealroom.so/sba-loans/basics/can-my-sba-7-a-loan-have-a-fixed-interest-rate-instead-of-a-variable-one"},{"question":"Can I choose between a fixed or variable interest rate for my SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/can-i-choose-between-a-fixed-or-variable-interest-rate-for-my-sba-7-a-loan"}]},"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 — Fixed Rate Treasury","url":"https://dealroom.so/glossary/fixed-rate-treasury","source_type":"DealRoom Data"}}