{"ok":true,"canonical_url":"https://dealroom.so/glossary/source-of-repayment","api_url":"https://dealroom.so/api/public/glossary/source-of-repayment","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":"source-of-repayment","term":"Source of Repayment","group":"Reading the business","definition":"This refers to where the money will come from to pay back the SBA loan. As a buyer, you need to be sure the business generates enough profit to cover all loan payments.","what_it_means":"Lenders primarily look at the business's historical cash flow and your projections to determine if it can support the debt. They'll also consider your personal income if it's a significant part of the global cash flow. Strong, consistent cash flow is critical for loan approval and your ability to succeed.","url":"https://dealroom.so/glossary/source-of-repayment","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":"cash-flow","term":"Cash flow","url":"https://dealroom.so/glossary/cash-flow"},{"slug":"dscr","term":"DSCR","url":"https://dealroom.so/glossary/dscr"},{"slug":"repayment-capacity","term":"Repayment capacity","url":"https://dealroom.so/glossary/repayment-capacity"},{"slug":"global-cash-flow","term":"Global cash flow","url":"https://dealroom.so/glossary/global-cash-flow"}],"related_questions":[{"question":"What specific environmental due diligence is required for real estate collateral used as a secondary source of repayment?","url":"https://dealroom.so/for-lenders/questions/what-specific-environmental-due-diligence-is-required-for-real-estate-collateral-used-as-a"},{"question":"How does the SBA verify the source of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/how-does-the-sba-verify-the-source-of-my-equity-injection-funds"},{"question":"What documentation is required to prove the source of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/what-documentation-is-required-to-prove-the-source-of-my-equity-injection-funds"},{"question":"What documentation is needed to verify the source of my cash equity injection?","url":"https://dealroom.so/sba-7a/questions/what-documentation-is-needed-to-verify-the-source-of-my-cash-equity-injection"},{"question":"What documentation is required to verify the source of my cash equity injection?","url":"https://dealroom.so/sba-7a/questions/what-documentation-is-required-to-verify-the-source-of-my-cash-equity-injection"},{"question":"What specific documentation is required to verify the source of my equity injection funds?","url":"https://dealroom.so/sba-7a/questions/what-specific-documentation-is-required-to-verify-the-source-of-my-equity-injection-funds"}]},"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 — Source of Repayment","url":"https://dealroom.so/glossary/source-of-repayment","source_type":"DealRoom Data"}}