Glossary · The loan itself
In short
A lender's internal guidelines and standards for evaluating borrower creditworthiness, managing risk, and approving loans. These often go beyond the SBA's minimum requirements.
Each SBA lender has its own Credit Policy, which might be stricter than the SBA's baseline Eligibility Rules. For example, some lenders may require higher FICO scores or lower debt-to-income ratios than the SBA mandates. Understand your chosen lender's specific policy to ensure you meet their internal hurdles, not just the SBA's.
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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