{"ok":true,"canonical_url":"https://dealroom.so/glossary/risk-rating","api_url":"https://dealroom.so/api/public/glossary/risk-rating","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-rating","term":"Risk Rating","group":"Reading the business","definition":"This is an internal assessment by the lender of the creditworthiness and likelihood of default for a borrower. It directly impacts the loan's pricing, terms, and the probability of approval.","what_it_means":"Your SBA lender will assign a risk rating based on your personal credit, the business's financials, industry, and other factors. A higher risk rating might result in a higher interest rate or more stringent collateral requirements. Presenting strong financials and a solid business plan helps achieve a favorable rating.","url":"https://dealroom.so/glossary/risk-rating","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":"creditworthiness","term":"Creditworthiness","url":"https://dealroom.so/glossary/creditworthiness"},{"slug":"fico-score","term":"FICO score","url":"https://dealroom.so/glossary/fico-score"},{"slug":"credit-report","term":"Credit report","url":"https://dealroom.so/glossary/credit-report"},{"slug":"underwriting","term":"Underwriting","url":"https://dealroom.so/glossary/underwriting"}],"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 Rating","url":"https://dealroom.so/glossary/risk-rating","source_type":"DealRoom Data"}}