{"ok":true,"canonical_url":"https://dealroom.so/glossary/origination","api_url":"https://dealroom.so/api/public/glossary/origination","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":"origination","term":"Origination","group":"Doing the deal","definition":"The entire process of a lender creating a new loan, from initial application to final closing and disbursement of funds. For you, it's the journey from applying to getting your business acquisition funded.","what_it_means":"Origination for your 7(a) loan involves applying, underwriting, getting SBA approval, and finally closing. Your focus is providing accurate documentation quickly and responding to lender requests. A smooth origination sets the stage for a successful acquisition.","url":"https://dealroom.so/glossary/origination","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":"underwriting","term":"Underwriting","url":"https://dealroom.so/glossary/underwriting"},{"slug":"loan-agreement","term":"Loan agreement","url":"https://dealroom.so/glossary/loan-agreement"},{"slug":"closing-condition","term":"Closing condition","url":"https://dealroom.so/glossary/closing-condition"},{"slug":"disbursement","term":"Disbursement","url":"https://dealroom.so/glossary/disbursement"}],"related_questions":[{"question":"What specific actions by a lender during loan origination would typically lead to a guaranty denial?","url":"https://dealroom.so/for-lenders/questions/what-specific-actions-by-a-lender-during-loan-origination-would-typically-lead-to-a-guaran"},{"question":"What are common eligibility failures during origination that lead to an outright denial of the SBA guaranty?","url":"https://dealroom.so/for-lenders/questions/what-are-common-eligibility-failures-during-origination-that-lead-to-an-outright-denial-of"},{"question":"Can the lender charge their own separate processing or origination fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/can-the-lender-charge-their-own-separate-processing-or-origination-fees-for-an-sba-7-a-loa"},{"question":"How does the SBA determine if a lender has met the \"prudent lending standards\" requirement during loan origination?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-determine-if-a-lender-has-met-the-prudent-lending-standards-requirement-d"},{"question":"Can I negotiate the lender's origination or packaging fee for my SBA 7(a) business acquisition loan?","url":"https://dealroom.so/sba-7a/questions/can-i-negotiate-the-lender-s-origination-or-packaging-fee-for-my-sba-7-a-business-acquisit"},{"question":"What are the most frequent reasons the SBA denies a 7(a) guaranty purchase request due to lender errors during origination?","url":"https://dealroom.so/for-lenders/questions/what-are-the-most-frequent-reasons-the-sba-denies-a-7-a-guaranty-purchase-request-due-to-l"}]},"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 — Origination","url":"https://dealroom.so/glossary/origination","source_type":"DealRoom Data"}}