Glossary · Reading the business
In short
Your credit profile is a comprehensive summary of your borrowing and repayment history, including all personal and business debts. It helps lenders assess your creditworthiness and risk.
SBA lenders will scrutinize your entire credit profile, not just your FICO score. This includes past bankruptcies, judgments, liens, and any derogatory marks. A clean credit profile demonstrates your reliability and is essential for securing an SBA 7(a) loan. Be proactive in addressing any potential issues before applying.
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.
Pressure-test the numbers before you make an offer
Send us the asking price and the seller's cash flow — we'll show whether the deal services SBA debt and where the add-backs are likely to hold up.
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