{"ok":true,"canonical_url":"https://dealroom.so/glossary/programmatic-review","api_url":"https://dealroom.so/api/public/glossary/programmatic-review","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":"programmatic-review","term":"Programmatic Review","group":"Doing the deal","definition":"An internal SBA process where a lender's loan portfolio and practices are periodically audited to ensure compliance with SBA rules. This impacts lenders, but ultimately affects how rigorously your loan is underwritten.","what_it_means":"While not directly involving you, programmatic reviews keep lenders on their toes. A lender facing a review might be more conservative in their underwriting or require more documentation to avoid Servicing deficiency findings. This means stricter adherence to SOP 50 10 during your loan application and closing process.","url":"https://dealroom.so/glossary/programmatic-review","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":"sop-50-10","term":"SOP 50 10","url":"https://dealroom.so/glossary/sop-50-10"},{"slug":"servicing","term":"Servicing","url":"https://dealroom.so/glossary/servicing"},{"slug":"prudent-lending-standards","term":"Prudent lending standards","url":"https://dealroom.so/glossary/prudent-lending-standards"}],"related_questions":[{"question":"What are the common triggers that lead to an SBA programmatic or secondary market review of a lender's 7(a) loan portfolio?","url":"https://dealroom.so/for-lenders/questions/what-are-the-common-triggers-that-lead-to-an-sba-programmatic-or-secondary-market-review-o"},{"question":"What is the typical timeframe for SBA loan application review by the lender?","url":"https://dealroom.so/sba-loans/basics/what-is-the-typical-timeframe-for-sba-loan-application-review-by-the-lender"},{"question":"How thoroughly does the SBA review the business valuation report provided by the lender?","url":"https://dealroom.so/sba-7a/questions/how-thoroughly-does-the-sba-review-the-business-valuation-report-provided-by-the-lender"},{"question":"Is an environmental review needed if my SBA 7(a) loan includes real estate?","url":"https://dealroom.so/sba-loans/basics/is-an-environmental-review-needed-if-my-sba-7-a-loan-includes-real-estate"},{"question":"What specific elements of a franchise agreement does the SBA review to determine eligibility?","url":"https://dealroom.so/for-lenders/questions/what-specific-elements-of-a-franchise-agreement-does-the-sba-review-to-determine-eligibili"},{"question":"What specific environmental review is required for commercial real estate included in an SBA loan?","url":"https://dealroom.so/sba-7a/questions/what-specific-environmental-review-is-required-for-commercial-real-estate-included-in-an-s"}]},"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 — Programmatic Review","url":"https://dealroom.so/glossary/programmatic-review","source_type":"DealRoom Data"}}