{"ok":true,"canonical_url":"https://dealroom.so/glossary/risk-profile","api_url":"https://dealroom.so/api/public/glossary/risk-profile","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":"risk-profile","term":"Risk profile","group":"The loan itself","definition":"An assessment of the potential for loss a lender faces when extending credit to you and the business. Lenders evaluate this to determine loan eligibility and terms.","what_it_means":"Your personal credit history, industry experience, and the business's financial stability all contribute to your overall risk profile. A strong profile (high FICO, stable cash flow, solid collateral) leads to better loan terms. Lenders use this during loan underwriting to decide if the deal meets their prudent lending standards.","url":"https://dealroom.so/glossary/risk-profile","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":"loan-underwriting","term":"Loan underwriting","url":"https://dealroom.so/glossary/loan-underwriting"},{"slug":"fico-score","term":"FICO score","url":"https://dealroom.so/glossary/fico-score"},{"slug":"creditworthiness","term":"Creditworthiness","url":"https://dealroom.so/glossary/creditworthiness"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"}],"related_questions":[]},"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 — Risk profile","url":"https://dealroom.so/glossary/risk-profile","source_type":"DealRoom Data"}}