Glossary · The loan itself
In short
This refers to the interest rate a bank pays to borrow money from other financial institutions or to depositors. It's a key factor in how they price your loan.
While not directly on your loan documents, a lender's cost of funds influences the margin they offer on your SBA 7(a) loan. A higher cost of funds for them might mean a higher margin for you. This is an internal bank metric, but understanding it gives context to lending rates.
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.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
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