Glossary · People and paperwork
In short
A federal database used by lenders to check if a borrower has defaulted on or has an outstanding federal debt, including prior SBA loans. It's a mandatory check for federal programs.
Your lender will check CAIVRS during the application process. If you or any key principal have a federal debt delinquency, it will likely prevent you from getting an SBA loan until the issue is resolved. Be upfront about any past federal debts.
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.
Know what you'll need before you apply
Tell us about the deal and who's buying — we'll flag the guaranty, eligibility, and paperwork issues that slow SBA approval before they cost you time.
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