{"ok":true,"canonical_url":"https://dealroom.so/glossary/originating-lender","api_url":"https://dealroom.so/api/public/glossary/originating-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":"originating-lender","term":"Originating lender","group":"People and paperwork","definition":"This is the bank or financial institution that initially processes, underwrites, and funds your SBA loan. They are your primary point of contact throughout the application and closing process.","what_it_means":"The originating lender is responsible for ensuring your loan application meets all SBA eligibility and underwriting requirements. They prepare the SBA Loan Authorization and handle the disbursement of funds. After closing, they often continue to service the loan, though some sell the servicing rights to another institution.","url":"https://dealroom.so/glossary/originating-lender","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":"plp-lender","term":"PLP lender","url":"https://dealroom.so/glossary/plp-lender"},{"slug":"underwriting","term":"Underwriting","url":"https://dealroom.so/glossary/underwriting"},{"slug":"servicing","term":"Servicing","url":"https://dealroom.so/glossary/servicing"},{"slug":"sba-loan-authorization","term":"SBA Loan Authorization","url":"https://dealroom.so/glossary/sba-loan-authorization"}],"related_questions":[{"question":"How does a lender verify equity injection funds originating from a foreign bank account?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-originating-from-a-foreign-bank-account"},{"question":"How does a lender verify equity injection funds originating from a newly established business bank account?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-originating-from-a-newly-established-busin"},{"question":"What documentation must a lender collect to verify equity injection funds originating from a newly refinanced personal residence?","url":"https://dealroom.so/for-lenders/questions/what-documentation-must-a-lender-collect-to-verify-equity-injection-funds-originating-from"},{"question":"How does a lender verify equity injection funds originating from a personal loan secured by the borrower's unencumbered investment property?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-originating-from-a-personal-loan-secured-b"},{"question":"What documentation is required for equity injection funds originating from a retirement account rollover?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-required-for-equity-injection-funds-originating-from-a-retirement-ac"},{"question":"What documentation is required to verify equity injection funds originating from a newly refinanced personal residence?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-required-to-verify-equity-injection-funds-originating-from-a-newly-r"}]},"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 — Originating lender","url":"https://dealroom.so/glossary/originating-lender","source_type":"DealRoom Data"}}