Glossary · Doing the deal
In short
This is the lender's final determination on whether to approve your loan application. It's based on their assessment of your creditworthiness and the business's financial health.
The credit decision is a critical milestone in your acquisition process. It comes after extensive underwriting and due diligence. A positive decision means you've secured financing, but it's still subject to final closing conditions.
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.
Line up financing while you're under LOI
Tell us the business, the price, and your timeline — we'll match you with lenders who close deals like yours and flag anything that stalls the process.
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