Glossary · Reading the business
In short
Detailed summaries of your credit history, including loans, credit cards, payment history, and public records. Lenders use these to assess your creditworthiness.
Your personal Credit Reports are a critical part of the SBA loan application. Lenders scrutinize them for payment history, derogatory marks, and overall debt load to determine your Creditworthiness. Review your own reports for accuracy and address any issues before applying.
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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