{"ok":true,"canonical_url":"https://dealroom.so/glossary/workout-analysis","api_url":"https://dealroom.so/api/public/glossary/workout-analysis","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":"workout-analysis","term":"Workout Analysis","group":"The loan itself","definition":"An assessment performed by a lender when a borrower is struggling to make loan payments, evaluating options to restructure the loan to avoid default and liquidation. This is what happens if your business hits hard times.","what_it_means":"If your business faces financial distress after acquisition, your lender might perform a Workout Analysis before pursuing Liquidation. This involves reviewing your business's financial health to determine if a temporary payment Deferment period or loan modification is feasible. Your goal is to avoid ever getting to this point.","url":"https://dealroom.so/glossary/workout-analysis","official_sources":[{"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"},{"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-default","term":"Loan default","url":"https://dealroom.so/glossary/loan-default"},{"slug":"liquidation","term":"Liquidation","url":"https://dealroom.so/glossary/liquidation"},{"slug":"deferment-period","term":"Deferment Period","url":"https://dealroom.so/glossary/deferment-period"},{"slug":"liquidation-plan","term":"Liquidation Plan","url":"https://dealroom.so/glossary/liquidation-plan"}],"related_questions":[{"question":"What is the role of a \"workout plan\" in the liquidation of a defaulted 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-is-the-role-of-a-workout-plan-in-the-liquidation-of-a-defaulted-7-a-loan"},{"question":"What is the SBA's expectation for a lender's 'workout plan' for a defaulted 7(a) loan prior to liquidation?","url":"https://dealroom.so/for-lenders/questions/what-is-the-sba-s-expectation-for-a-lender-s-workout-plan-for-a-defaulted-7-a-loan-prior-t"},{"question":"What constitutes prudent lending standards for SBA 7(a) underwriting regarding credit analysis?","url":"https://dealroom.so/for-lenders/questions/what-constitutes-prudent-lending-standards-for-sba-7-a-underwriting-regarding-credit-analy"},{"question":"Beyond SBSS, what specific credit analysis must a lender perform for 7(a) Small Loans?","url":"https://dealroom.so/for-lenders/questions/beyond-sbss-what-specific-credit-analysis-must-a-lender-perform-for-7-a-small-loans"},{"question":"What specific documentation is required for a lender's independent credit analysis under prudent lending standards?","url":"https://dealroom.so/for-lenders/questions/what-specific-documentation-is-required-for-a-lender-s-independent-credit-analysis-under-p"},{"question":"What alternative credit analysis methods are acceptable for 7(a) Small Loans following the SBSS sunset?","url":"https://dealroom.so/for-lenders/questions/what-alternative-credit-analysis-methods-are-acceptable-for-7-a-small-loans-following-the-"}]},"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 — Workout Analysis","url":"https://dealroom.so/glossary/workout-analysis","source_type":"DealRoom Data"}}