{"ok":true,"canonical_url":"https://dealroom.so/glossary/real-estate-secured-loans","api_url":"https://dealroom.so/api/public/glossary/real-estate-secured-loans","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":"real-estate-secured-loans","term":"Real estate secured loans","group":"The loan itself","definition":"These are loans where real estate serves as collateral. As a buyer, you'll see these if the business owns its property, and the SBA 7(a) loan will likely be secured by that real estate.","what_it_means":"When a business owns its property, the SBA 7(a) loan will often be secured by a first lien on that real estate. This type of collateral can strengthen your loan application, especially if the property's fair market value covers a significant portion of the loan amount. Be prepared for a property appraisal.","url":"https://dealroom.so/glossary/real-estate-secured-loans","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":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"mortgage","term":"Mortgage","url":"https://dealroom.so/glossary/mortgage"},{"slug":"lien","term":"Lien","url":"https://dealroom.so/glossary/lien"},{"slug":"appraisal","term":"Appraisal","url":"https://dealroom.so/glossary/appraisal"}],"related_questions":[{"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":"Can funds from a personal line of credit secured by non-personal real estate be equity injection?","url":"https://dealroom.so/for-lenders/questions/can-funds-from-a-personal-line-of-credit-secured-by-non-personal-real-estate-be-equity-inj"},{"question":"If a 7(a) loan is fully secured by business assets, can the lender waive taking a lien on available personal real estate?","url":"https://dealroom.so/for-lenders/questions/if-a-7-a-loan-is-fully-secured-by-business-assets-can-the-lender-waive-taking-a-lien-on-av"},{"question":"How does a lender verify equity injection funds that are sourced from a personal line of credit secured by non-personal real estate?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-verify-equity-injection-funds-that-are-sourced-from-a-personal-line-of-c"},{"question":"If the business owns real estate, must the buyer also purchase the real estate with the business?","url":"https://dealroom.so/sba-7a/questions/if-the-business-owns-real-estate-must-the-buyer-also-purchase-the-real-estate-with-the-bus"},{"question":"If I'm buying a business with real estate, can I get a longer term if the real estate is a significant portion?","url":"https://dealroom.so/sba-7a/questions/if-i-m-buying-a-business-with-real-estate-can-i-get-a-longer-term-if-the-real-estate-is-a-"}]},"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 — Real estate secured loans","url":"https://dealroom.so/glossary/real-estate-secured-loans","source_type":"DealRoom Data"}}