{"ok":true,"canonical_url":"https://dealroom.so/glossary/loan-restructuring","api_url":"https://dealroom.so/api/public/glossary/loan-restructuring","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-restructuring","term":"Loan Restructuring","group":"The loan itself","definition":"This involves modifying the original terms of a loan, such as the repayment schedule, interest rate, or maturity date, to make it more manageable for a struggling borrower. It's a way to avoid default.","what_it_means":"If your business faces financial hardship that impacts your ability to make loan payments, you might negotiate loan restructuring with your SBA lender. This could involve deferring principal payments or extending the loan term. Proactively engage with your lender at the first sign of trouble; waiting until default makes restructuring much harder.","url":"https://dealroom.so/glossary/loan-restructuring","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":"loan-acceleration","term":"Loan Acceleration","url":"https://dealroom.so/glossary/loan-acceleration"},{"slug":"loan-default","term":"Loan default","url":"https://dealroom.so/glossary/loan-default"},{"slug":"deferment-period","term":"Deferment Period","url":"https://dealroom.so/glossary/deferment-period"},{"slug":"interest-only-payment","term":"Interest-Only Payment","url":"https://dealroom.so/glossary/interest-only-payment"}],"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 Restructuring","url":"https://dealroom.so/glossary/loan-restructuring","source_type":"DealRoom Data"}}