{"ok":true,"canonical_url":"https://dealroom.so/glossary/internal-credit-scoring-model","api_url":"https://dealroom.so/api/public/glossary/internal-credit-scoring-model","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":"internal-credit-scoring-model","term":"Internal Credit Scoring Model","group":"Reading the business","definition":"Many lenders use their own proprietary models to assess a borrower's creditworthiness and the risk of a loan. It's a key factor in their decision-making beyond just your FICO score.","what_it_means":"While the SBA has its own SBSS score for smaller loans, lenders often run their own Internal Credit Scoring Model for larger 7(a) deals. This model evaluates your personal credit, the business's financials, and other risk factors. A strong score improves your chances and may influence loan terms.","url":"https://dealroom.so/glossary/internal-credit-scoring-model","official_sources":[],"related":[{"slug":"credit-analysis","term":"Credit analysis","url":"https://dealroom.so/glossary/credit-analysis"},{"slug":"creditworthiness","term":"Creditworthiness","url":"https://dealroom.so/glossary/creditworthiness"},{"slug":"fico-score","term":"FICO score","url":"https://dealroom.so/glossary/fico-score"},{"slug":"sbss-score","term":"SBSS score","url":"https://dealroom.so/glossary/sbss-score"}],"related_questions":[{"question":"What operational adjustments must a lender make to its internal credit scoring and underwriting processes for 7(a) Small Loans following the SBSS score sunset?","url":"https://dealroom.so/for-lenders/questions/what-operational-adjustments-must-a-lender-make-to-its-internal-credit-scoring-and-underwr"},{"question":"What alternative credit scoring methods are now recommended for 7(a) Small Loans after the SBSS sunset?","url":"https://dealroom.so/for-lenders/questions/what-alternative-credit-scoring-methods-are-now-recommended-for-7-a-small-loans-after-the-"},{"question":"With the sunset of the SBSS score, what alternative credit scoring methods are acceptable for small 7(a) loans?","url":"https://dealroom.so/for-lenders/questions/with-the-sunset-of-the-sbss-score-what-alternative-credit-scoring-methods-are-acceptable-f"},{"question":"What information on SBA Form 1919 must be consistent with the lender's internal credit memo and E-Tran?","url":"https://dealroom.so/for-lenders/questions/what-information-on-sba-form-1919-must-be-consistent-with-the-lender-s-internal-credit-mem"},{"question":"With the sunset of SBSS, what alternative credit scoring methodologies are acceptable for underwriting 7(a) Small Loans ($500,000 or less)?","url":"https://dealroom.so/for-lenders/questions/with-the-sunset-of-sbss-what-alternative-credit-scoring-methodologies-are-acceptable-for-u"},{"question":"What specific information on SBA Form 1919 must be consistent with the lender's internal credit memo and E-Tran submission?","url":"https://dealroom.so/for-lenders/questions/what-specific-information-on-sba-form-1919-must-be-consistent-with-the-lender-s-internal-c"}]},"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 — Internal Credit Scoring Model","url":"https://dealroom.so/glossary/internal-credit-scoring-model","source_type":"DealRoom Data"}}