{"ok":true,"canonical_url":"https://dealroom.so/glossary/manual-underwriting","api_url":"https://dealroom.so/api/public/glossary/manual-underwriting","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":"manual-underwriting","term":"manual underwriting","group":"Doing the deal","definition":"When a lender's human underwriters review your loan application, rather than relying solely on automated credit scoring. This happens for complex deals or when automated systems flag issues, requiring a deeper look.","what_it_means":"For SBA 7(a) loans, manual underwriting is common for larger or more complex acquisitions, or if your credit profile has nuances. Be prepared to provide detailed explanations and documentation to support your application, as the human review will be thorough.","url":"https://dealroom.so/glossary/manual-underwriting","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":"underwriting","term":"Underwriting","url":"https://dealroom.so/glossary/underwriting"},{"slug":"credit-analysis","term":"Credit analysis","url":"https://dealroom.so/glossary/credit-analysis"},{"slug":"eligibility-criterion","term":"eligibility criterion","url":"https://dealroom.so/glossary/eligibility-criterion"},{"slug":"prudent-lending-standards","term":"Prudent lending standards","url":"https://dealroom.so/glossary/prudent-lending-standards"}],"related_questions":[{"question":"What constitutes prudent lending standards for SBA 7(a) underwriting?","url":"https://dealroom.so/for-lenders/questions/what-constitutes-prudent-lending-standards-for-sba-7-a-underwriting"},{"question":"How does the underwriting timeline for business life insurance impact loan closing schedules?","url":"https://dealroom.so/sba-7a/questions/how-does-the-underwriting-timeline-for-business-life-insurance-impact-loan-closing-schedul"},{"question":"What is the underwriting timeline for business life insurance relative to loan closing?","url":"https://dealroom.so/sba-7a/questions/what-is-the-underwriting-timeline-for-business-life-insurance-relative-to-loan-closing"},{"question":"What happens if the acquired business declines significantly during the loan underwriting period?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-the-acquired-business-declines-significantly-during-the-loan-underwriting-"},{"question":"What constitutes prudent lending standards for SBA 7(a) underwriting regarding credit analysis?","url":"https://dealroom.so/for-lenders/questions/what-constitutes-prudent-lending-standards-for-sba-7-a-underwriting-regarding-credit-analy"},{"question":"How does the SBA assess \"prudent lending standards\" in 7(a) loan underwriting?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-assess-prudent-lending-standards-in-7-a-loan-underwriting"}]},"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 — manual underwriting","url":"https://dealroom.so/glossary/manual-underwriting","source_type":"DealRoom Data"}}