{"ok":true,"canonical_url":"https://dealroom.so/glossary/loan-pooling","api_url":"https://dealroom.so/api/public/glossary/loan-pooling","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-pooling","term":"Loan Pooling","aka":"Pooling","group":"The loan itself","definition":"The process where SBA-guaranteed portions of multiple 7(a) loans are combined into a pool and sold as securities to investors. This secondary market activity provides liquidity to lenders, encouraging them to make more SBA loans.","what_it_means":"While you're primarily concerned with securing your 7(a) loan, understanding Loan Pooling helps explain how the SBA program operates. Your lender might sell the guaranteed portion of your loan into the Secondary market. This doesn't change your loan terms or repayment obligations, but it's part of the funding mechanism for the SBA program.","url":"https://dealroom.so/glossary/loan-pooling","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":"secondary-market","term":"Secondary Market","url":"https://dealroom.so/glossary/secondary-market"},{"slug":"servicing-rights","term":"Servicing Rights","url":"https://dealroom.so/glossary/servicing-rights"},{"slug":"fiscal-and-transfer-agent","term":"Fiscal and Transfer Agent","url":"https://dealroom.so/glossary/fiscal-and-transfer-agent"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"}],"related_questions":[{"question":"What are the lender requirements for pooling and selling the guaranteed portion?","url":"https://dealroom.so/for-lenders/questions/what-are-the-lender-requirements-for-pooling-and-selling-the-guaranteed-portion"},{"question":"What are the lender requirements for pooling and selling the guaranteed portion of a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-are-the-lender-requirements-for-pooling-and-selling-the-guaranteed-portion-of-a-7-a-l"},{"question":"What are the requirements for pooling and selling the guaranteed portion of a 7(a) loan on the secondary market?","url":"https://dealroom.so/for-lenders/questions/what-are-the-requirements-for-pooling-and-selling-the-guaranteed-portion-of-a-7-a-loan-on-"},{"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"}]},"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 Pooling","url":"https://dealroom.so/glossary/loan-pooling","source_type":"DealRoom Data"}}