{"ok":true,"canonical_url":"https://dealroom.so/glossary/non-delegated-loan","api_url":"https://dealroom.so/api/public/glossary/non-delegated-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":"non-delegated-loan","term":"Non-Delegated Loan","aka":"Non-delegated lender","group":"The loan itself","definition":"A non-delegated loan means the SBA itself must review and approve your loan application, not just the lender. This process takes longer than with a delegated lender.","what_it_means":"If your loan application has specific complexities or exceeds certain thresholds, the SBA may require a full review, even from a Preferred Lender. This adds weeks to the approval timeline, so factor this into your deal schedule. Your lender will guide you if your deal falls into this category.","url":"https://dealroom.so/glossary/non-delegated-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":"preferred-lender","term":"Preferred Lender","url":"https://dealroom.so/glossary/preferred-lender"},{"slug":"delegated-authority","term":"Delegated authority","url":"https://dealroom.so/glossary/delegated-authority"},{"slug":"sop-50-10","term":"SOP 50 10","url":"https://dealroom.so/glossary/sop-50-10"},{"slug":"e-tran-submission","term":"E-Tran submission","url":"https://dealroom.so/glossary/e-tran-submission"}],"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":"Are non-owner spouses always required to personally guarantee SBA loans?","url":"https://dealroom.so/sba-7a/questions/are-non-owner-spouses-always-required-to-personally-guarantee-sba-loans"},{"question":"What is the difference in repayment terms between real estate and non-real estate loans?","url":"https://dealroom.so/sba-loans/basics/what-is-the-difference-in-repayment-terms-between-real-estate-and-non-real-estate-loans"},{"question":"Are funds from a non-U.S. citizen or non-resident investor acceptable for equity injection?","url":"https://dealroom.so/sba-7a/questions/are-funds-from-a-non-u-s-citizen-or-non-resident-investor-acceptable-for-equity-injection"},{"question":"Can a non-profit organization receive an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/can-a-non-profit-organization-receive-an-sba-7-a-loan"}]},"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 Loan","url":"https://dealroom.so/glossary/non-delegated-loan","source_type":"DealRoom Data"}}