{"ok":true,"canonical_url":"https://dealroom.so/glossary/non-sba-financing","api_url":"https://dealroom.so/api/public/glossary/non-sba-financing","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-sba-financing","term":"Non-SBA Financing","group":"The loan itself","definition":"Any loan or capital injection used in the deal that does not come from the SBA 7(a) program. This can include Seller notes or conventional loans.","what_it_means":"While the 7(a) loan is primary, other financing might be part of the Total project costs. A Seller note is common and often Subordinated debt to the SBA loan. Any Non-SBA financing must meet SBA Standby agreement rules if it's from an Affiliation or the seller.","url":"https://dealroom.so/glossary/non-sba-financing","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":"seller-note","term":"Seller note","url":"https://dealroom.so/glossary/seller-note"},{"slug":"standby-agreement","term":"Standby agreement","url":"https://dealroom.so/glossary/standby-agreement"},{"slug":"subordinated-debt","term":"Subordinated Debt","url":"https://dealroom.so/glossary/subordinated-debt"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"}],"related_questions":[{"question":"Are there specific non-financial performance requirements for a franchise to be eligible for SBA 7(a) financing?","url":"https://dealroom.so/for-lenders/questions/are-there-specific-non-financial-performance-requirements-for-a-franchise-to-be-eligible-f"},{"question":"Which types of businesses are typically ineligible for SBA 7(a) financing?","url":"https://dealroom.so/sba-loans/basics/which-types-of-businesses-are-typically-ineligible-for-sba-7-a-financing"},{"question":"Does the SBA 7(a) loan program allow for seller training period financing?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-7-a-loan-program-allow-for-seller-training-period-financing"},{"question":"What makes a business 'speculative' and thus ineligible for SBA 7(a) financing?","url":"https://dealroom.so/for-lenders/questions/what-makes-a-business-speculative-and-thus-ineligible-for-sba-7-a-financing"},{"question":"What specific franchise agreement clauses are generally unacceptable to the SBA and could prevent financing?","url":"https://dealroom.so/sba-7a/questions/what-specific-franchise-agreement-clauses-are-generally-unacceptable-to-the-sba-and-could-"},{"question":"How does an SBA 7(a) loan affect my ability to get future business financing?","url":"https://dealroom.so/sba-7a/questions/how-does-an-sba-7-a-loan-affect-my-ability-to-get-future-business-financing"}]},"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-SBA Financing","url":"https://dealroom.so/glossary/non-sba-financing","source_type":"DealRoom Data"}}