{"ok":true,"canonical_url":"https://dealroom.so/glossary/identity-of-interest-affiliation","api_url":"https://dealroom.so/api/public/glossary/identity-of-interest-affiliation","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":"identity-of-interest-affiliation","term":"Identity of interest affiliation","group":"The loan itself","definition":"This occurs when individuals or businesses are so closely aligned that they're considered to have a shared economic interest, even without direct ownership. It's an SBA affiliation rule.","what_it_means":"The SBA scrutinizes common investments, contractual relationships, or familial ties that create an \"identity of interest.\" If multiple businesses are deemed affiliated, their revenues are combined for size standard purposes. This could make your target business ineligible.","url":"https://dealroom.so/glossary/identity-of-interest-affiliation","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":"close-family-relationship","term":"Close family relationship","url":"https://dealroom.so/glossary/close-family-relationship"},{"slug":"financial-dependency","term":"Financial dependency","url":"https://dealroom.so/glossary/financial-dependency"},{"slug":"size-standard","term":"Size standard","url":"https://dealroom.so/glossary/size-standard"}],"related_questions":[{"question":"When does identity of interest trigger affiliation for size determination under SBA rules?","url":"https://dealroom.so/for-lenders/questions/when-does-identity-of-interest-trigger-affiliation-for-size-determination-under-sba-rules"},{"question":"When does a 'close family relationship' between owners of separate businesses trigger identity of interest affiliation for SBA 7(a) loans?","url":"https://dealroom.so/for-lenders/questions/when-does-a-close-family-relationship-between-owners-of-separate-businesses-trigger-identi"},{"question":"What specific criteria determine if two businesses are affiliated due to 'identity of interest' for size standards?","url":"https://dealroom.so/for-lenders/questions/what-specific-criteria-determine-if-two-businesses-are-affiliated-due-to-identity-of-inter"},{"question":"Under what conditions does a shared economic interest trigger affiliation for SBA size standard purposes?","url":"https://dealroom.so/for-lenders/questions/under-what-conditions-does-a-shared-economic-interest-trigger-affiliation-for-sba-size-sta"},{"question":"When does familial relationship between owners of separate businesses trigger affiliation for size?","url":"https://dealroom.so/for-lenders/questions/when-does-familial-relationship-between-owners-of-separate-businesses-trigger-affiliation-"},{"question":"How does ownership of options or warrants affect affiliation determination for SBA size standards?","url":"https://dealroom.so/for-lenders/questions/how-does-ownership-of-options-or-warrants-affect-affiliation-determination-for-sba-size-st"}]},"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 — Identity of interest affiliation","url":"https://dealroom.so/glossary/identity-of-interest-affiliation","source_type":"DealRoom Data"}}