{"ok":true,"canonical_url":"https://dealroom.so/glossary/loan-exposure","api_url":"https://dealroom.so/api/public/glossary/loan-exposure","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":"loan-exposure","term":"Loan exposure","group":"The loan itself","definition":"This is the total amount of money a lender or the SBA has at risk on a particular loan. It represents the maximum potential loss if the borrower defaults.","what_it_means":"For the SBA, loan exposure is the guaranteed portion of the loan. Lenders consider their total exposure when underwriting, assessing the collateral and your repayment capacity. You need to present a strong case for the business's ability to cover both the principal and interest.","url":"https://dealroom.so/glossary/loan-exposure","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":"repayment-capacity","term":"Repayment capacity","url":"https://dealroom.so/glossary/repayment-capacity"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"},{"slug":"loan-default","term":"Loan default","url":"https://dealroom.so/glossary/loan-default"}],"related_questions":[{"question":"Does an SBA loan have better terms than a regular bank loan?","url":"https://dealroom.so/sba-loans/basics/does-an-sba-loan-have-better-terms-than-a-regular-bank-loan"},{"question":"What is the minimum loan amount for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-minimum-loan-amount-for-an-sba-7-a-loan"},{"question":"What is the maximum loan amount for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-maximum-loan-amount-for-an-sba-7-a-loan"},{"question":"Is there a typical average loan size for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-a-typical-average-loan-size-for-an-sba-7-a-loan"},{"question":"How is the maximum loan amount for an SBA 7(a) loan determined?","url":"https://dealroom.so/sba-loans/basics/how-is-the-maximum-loan-amount-for-an-sba-7-a-loan-determined"},{"question":"Is there a minimum loan amount for an SBA 7(a) loan program?","url":"https://dealroom.so/sba-loans/basics/is-there-a-minimum-loan-amount-for-an-sba-7-a-loan-program"}]},"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 — Loan exposure","url":"https://dealroom.so/glossary/loan-exposure","source_type":"DealRoom Data"}}