Glossary · The loan itself
In short
This is the lender's assessment of whether your business's future cash flow can cover all its debt payments, including the SBA loan. It's the primary factor in loan approval.
Lenders scrutinize your projections and the business's historical performance to determine your ability to repay. They use metrics like DSCR to quantify this. If the numbers don't clearly support repayment, your loan won't get approved, so ensure your business plan is robust.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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