{"ok":true,"canonical_url":"https://dealroom.so/glossary/non-delegated-lender","api_url":"https://dealroom.so/api/public/glossary/non-delegated-lender","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":"non-delegated-lender","term":"Non-Delegated Lender","group":"People and paperwork","definition":"A lender that must send all their SBA loan applications directly to the SBA for review and final approval. This process typically takes longer than with a delegated lender.","what_it_means":"If your lender isn't a Preferred Lender (PLP) or SBA Express lender, they're non-delegated. This means the SBA must approve the loan themselves, adding weeks to your timeline. Understand this distinction upfront to set realistic expectations for your closing schedule.","url":"https://dealroom.so/glossary/non-delegated-lender","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":"plp-lender","term":"PLP lender","url":"https://dealroom.so/glossary/plp-lender"},{"slug":"sba-express","term":"SBA Express","url":"https://dealroom.so/glossary/sba-express"},{"slug":"delegated-authority","term":"Delegated authority","url":"https://dealroom.so/glossary/delegated-authority"},{"slug":"origination","term":"Origination","url":"https://dealroom.so/glossary/origination"}],"related_questions":[{"question":"What collateral servicing actions require prior SBA approval versus those delegated to the lender?","url":"https://dealroom.so/for-lenders/questions/what-collateral-servicing-actions-require-prior-sba-approval-versus-those-delegated-to-the"},{"question":"What factors allow a lender to use their delegated authority (e.g., Preferred Lender status) to speed up SBA loan approval?","url":"https://dealroom.so/sba-7a/questions/what-factors-allow-a-lender-to-use-their-delegated-authority-e-g-preferred-lender-status-t"},{"question":"How does a lender verify the lawful permanent resident status of a non-citizen applicant?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-the-lawful-permanent-resident-status-of-a-non-citizen-applicant"},{"question":"What is the lender's responsibility regarding environmental due diligence for non-real estate collateral?","url":"https://dealroom.so/for-lenders/questions/what-is-the-lender-s-responsibility-regarding-environmental-due-diligence-for-non-real-est"},{"question":"Can I use a loan from a non-SBA lender as part of my equity injection?","url":"https://dealroom.so/sba-loans/basics/can-i-use-a-loan-from-a-non-sba-lender-as-part-of-my-equity-injection"},{"question":"How does a lender verify the full standby status of a non-SBA third-party debt?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-the-full-standby-status-of-a-non-sba-third-party-debt"}]},"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 — Non-Delegated Lender","url":"https://dealroom.so/glossary/non-delegated-lender","source_type":"DealRoom Data"}}