{"ok":true,"canonical_url":"https://dealroom.so/glossary/loan-structure","api_url":"https://dealroom.so/api/public/glossary/loan-structure","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-structure","term":"Loan structure","group":"The loan itself","definition":"This refers to the specific terms and conditions of your loan, including interest rate, repayment schedule, collateral requirements, and any covenants. It's the blueprint of your financing.","what_it_means":"The loan structure dictates how much you pay, when you pay it, and what assets secure the loan. Pay close attention to the interest rate (fixed or variable), term, amortization schedule, and any personal guarantees or collateral requirements. Understand how the lender's commitment letter outlines the full structure before you proceed.","url":"https://dealroom.so/glossary/loan-structure","official_sources":[],"related":[{"slug":"term-maturity","term":"Term / maturity","url":"https://dealroom.so/glossary/term-maturity"},{"slug":"variable-rate","term":"Variable rate","url":"https://dealroom.so/glossary/variable-rate"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"}],"related_questions":[{"question":"Can I change my business structure after getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/can-i-change-my-business-structure-after-getting-an-sba-7-a-loan"},{"question":"How does the purchase agreement structure affect an SBA partner buyout?","url":"https://dealroom.so/sba-7a/questions/how-does-the-purchase-agreement-structure-affect-an-sba-partner-buyout"},{"question":"Are there specific requirements for the business entity structure for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/are-there-specific-requirements-for-the-business-entity-structure-for-an-sba-7-a-loan"},{"question":"Does my business legal structure (like LLC or Sole Proprietorship) affect SBA 7(a) loan eligibility?","url":"https://dealroom.so/sba-loans/basics/does-my-business-legal-structure-like-llc-or-sole-proprietorship-affect-sba-7-a-loan-eligi"},{"question":"Can an earn-out provision in a purchase agreement affect 7(a) loan eligibility or structure?","url":"https://dealroom.so/for-lenders/questions/can-an-earn-out-provision-in-a-purchase-agreement-affect-7-a-loan-eligibility-or-structure"},{"question":"What if the acquired business changes its legal entity structure after the SBA loan is approved?","url":"https://dealroom.so/sba-7a/questions/what-if-the-acquired-business-changes-its-legal-entity-structure-after-the-sba-loan-is-app"}]},"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 structure","url":"https://dealroom.so/glossary/loan-structure","source_type":"DealRoom Data"}}