{"ok":true,"canonical_url":"https://dealroom.so/glossary/mixed-use-loan","api_url":"https://dealroom.so/api/public/glossary/mixed-use-loan","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":"mixed-use-loan","term":"Mixed-Use Loan","group":"The loan itself","definition":"Loan for real estate that combines business operations with rental income, like a restaurant with apartments above. Buyer cares because it can be an eligible use of SBA funds, but the rental portion has rules.","what_it_means":"SBA loans can finance commercial real estate where your business operates. If the property also has residential tenants, the rental income must be less than 50% of the property's gross income to qualify for a 7(a) loan. Understand the income split to ensure eligibility and avoid issues.","url":"https://dealroom.so/glossary/mixed-use-loan","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"},{"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"}],"related":[{"slug":"owner-occupied-commercial-real-estate","term":"Owner-occupied commercial real estate","url":"https://dealroom.so/glossary/owner-occupied-commercial-real-estate"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"use-of-proceeds","term":"Use of proceeds","url":"https://dealroom.so/glossary/use-of-proceeds"}],"related_questions":[{"question":"Can I use an SBA 7(a) loan to purchase raw land for future business use?","url":"https://dealroom.so/sba-loans/basics/can-i-use-an-sba-7-a-loan-to-purchase-raw-land-for-future-business-use"},{"question":"Can I use SBA 7(a) loan funds for personal expenses?","url":"https://dealroom.so/sba-loans/basics/can-i-use-sba-7-a-loan-funds-for-personal-expenses"},{"question":"Can I use a loan from someone else for my down payment?","url":"https://dealroom.so/sba-loans/basics/can-i-use-a-loan-from-someone-else-for-my-down-payment"},{"question":"Can my business use an SBA 7(a) loan to buy equipment?","url":"https://dealroom.so/sba-loans/basics/can-my-business-use-an-sba-7-a-loan-to-buy-equipment"},{"question":"Can I use an SBA 7(a) loan to expand my existing business?","url":"https://dealroom.so/sba-loans/basics/can-i-use-an-sba-7-a-loan-to-expand-my-existing-business"},{"question":"Can I use an SBA 7(a) loan for inventory, payroll, or rent?","url":"https://dealroom.so/sba-loans/basics/can-i-use-an-sba-7-a-loan-for-inventory-payroll-or-rent"}]},"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 — Mixed-Use Loan","url":"https://dealroom.so/glossary/mixed-use-loan","source_type":"DealRoom Data"}}