{"ok":true,"canonical_url":"https://dealroom.so/glossary/treasury-index","api_url":"https://dealroom.so/api/public/glossary/treasury-index","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":"treasury-index","term":"Treasury Index","group":"The loan itself","definition":"A benchmark interest rate based on U.S. Treasury securities. SBA loan interest rates can be tied to a Treasury Index plus a lender's spread.","what_it_means":"For variable rate 7(a) loans, the interest rate often floats with a base rate like WSJ Prime or SOFR. However, for fixed-rate options, a Treasury Index might be used. Understand which index your loan is tied to, as it dictates how your interest rate is calculated and can impact your monthly payments.","url":"https://dealroom.so/glossary/treasury-index","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":"fixed-rate-treasury","term":"Fixed Rate Treasury","url":"https://dealroom.so/glossary/fixed-rate-treasury"},{"slug":"variable-interest-rate","term":"Variable interest rate","url":"https://dealroom.so/glossary/variable-interest-rate"},{"slug":"sofr","term":"SOFR","url":"https://dealroom.so/glossary/sofr"},{"slug":"wsj-prime","term":"WSJ Prime","url":"https://dealroom.so/glossary/wsj-prime"}],"related_questions":[{"question":"Are SBA 7(a) loan interest rates typically fixed or variable, and what base rate index is commonly used?","url":"https://dealroom.so/sba-7a/questions/are-sba-7-a-loan-interest-rates-typically-fixed-or-variable-and-what-base-rate-index-is-co"}]},"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 — Treasury Index","url":"https://dealroom.so/glossary/treasury-index","source_type":"DealRoom Data"}}