{"ok":true,"canonical_url":"https://dealroom.so/glossary/security-asset","api_url":"https://dealroom.so/api/public/glossary/security-asset","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":"security-asset","term":"Security Asset","aka":"Collateral","group":"The loan itself","definition":"An asset pledged by the borrower to a lender as collateral for a loan. If you default, the lender can seize and sell this asset to recover their funds.","what_it_means":"For a 7(a) loan, the business assets you acquire are typically the primary security assets. If these aren't enough, the SBA requires all available equity in personal assets (like your home) to be pledged as additional collateral, up to the loan amount.","url":"https://dealroom.so/glossary/security-asset","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":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"},{"slug":"lien","term":"Lien","url":"https://dealroom.so/glossary/lien"},{"slug":"ucc-lien","term":"UCC lien","url":"https://dealroom.so/glossary/ucc-lien"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"}],"related_questions":[{"question":"What happens if the business assets and my personal assets combined are insufficient collateral for a $600,000 SBA loan, requiring additional security?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-the-business-assets-and-my-personal-assets-combined-are-insufficient-colla"},{"question":"When is a blanket lien on all business assets *insufficient* as primary collateral for an SBA 7(a) loan, requiring additional security?","url":"https://dealroom.so/for-lenders/questions/when-is-a-blanket-lien-on-all-business-assets-insufficient-as-primary-collateral-for-an-sb"},{"question":"Is a blanket lien on all business assets always required for a 7(a) loan, regardless of loan size or asset value?","url":"https://dealroom.so/for-lenders/questions/is-a-blanket-lien-on-all-business-assets-always-required-for-a-7-a-loan-regardless-of-loan"},{"question":"What is the difference between an asset and stock purchase in a buyout?","url":"https://dealroom.so/sba-7a/questions/what-is-the-difference-between-an-asset-and-stock-purchase-in-a-buyout"},{"question":"How does the SBA require lenders to perfect security interests on accounts receivable and inventory?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-require-lenders-to-perfect-security-interests-on-accounts-receivable-and-"},{"question":"How does a lender perfect a security interest in intellectual property for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-perfect-a-security-interest-in-intellectual-property-for-a-7-a-loan"}]},"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 — Security Asset","url":"https://dealroom.so/glossary/security-asset","source_type":"DealRoom Data"}}