Glossary · The loan itself
In short
This is anything that reduces the lender's risk, making a loan more attractive or possible. For you, it might mean bringing more equity or collateral to the deal.
In an SBA loan, common credit enhancements include strong collateral, a personal guarantee, or a higher equity injection. The SBA guaranty itself is a form of credit enhancement. Understanding what the lender needs can help you structure a stronger loan application.
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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