{"ok":true,"canonical_url":"https://dealroom.so/glossary/lien-on-accounts-receivable","api_url":"https://dealroom.so/api/public/glossary/lien-on-accounts-receivable","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":"lien-on-accounts-receivable","term":"Lien on Accounts Receivable","group":"The loan itself","definition":"This is a legal claim a lender places on the money owed to the business by its customers. It serves as collateral for your loan, giving the lender rights to these assets if you default.","what_it_means":"For many SBA 7(a) loans, lenders will take a first lien position on all business assets, including accounts receivable. This means if the business defaults, the lender can collect directly from your customers' outstanding payments. It's a standard collateral requirement you should expect.","url":"https://dealroom.so/glossary/lien-on-accounts-receivable","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":"lien","term":"Lien","url":"https://dealroom.so/glossary/lien"},{"slug":"accounts-receivable","term":"Accounts receivable","url":"https://dealroom.so/glossary/accounts-receivable"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"first-lien","term":"First lien","url":"https://dealroom.so/glossary/first-lien"}],"related_questions":[{"question":"Does the SBA require a blanket lien on all business assets, including accounts receivable and inventory?","url":"https://dealroom.so/sba-7a/questions/does-the-sba-require-a-blanket-lien-on-all-business-assets-including-accounts-receivable-a"},{"question":"How does the SBA require lenders to perfect security interests on accounts receivable and inventory?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-require-lenders-to-perfect-security-interests-on-accounts-receivable-and-"},{"question":"Can my business's accounts receivable be used as collateral?","url":"https://dealroom.so/sba-loans/basics/can-my-business-s-accounts-receivable-be-used-as-collateral"},{"question":"How does the SBA 7(a) loan program value and take collateral on accounts receivable from government contracts?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-7-a-loan-program-value-and-take-collateral-on-accounts-receivable-from-go"},{"question":"What if the business being acquired has significant outstanding Accounts Receivable (AR)?","url":"https://dealroom.so/sba-7a/questions/what-if-the-business-being-acquired-has-significant-outstanding-accounts-receivable-ar"},{"question":"Can accounts receivable from the acquired business always serve as sufficient collateral?","url":"https://dealroom.so/sba-7a/questions/can-accounts-receivable-from-the-acquired-business-always-serve-as-sufficient-collateral"}]},"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 — Lien on Accounts Receivable","url":"https://dealroom.so/glossary/lien-on-accounts-receivable","source_type":"DealRoom Data"}}