Glossary · Reading the business
In short
This is a proprietary credit score for small businesses, often used by SBA lenders to pre-screen loan applicants. A strong score helps you pass the initial eligibility hurdle.
Many SBA lenders use the SBSS score for preliminary screening. It combines personal credit data with business financial information. If your SBSS score is below the SBA's minimum threshold (which changes), your loan application may not proceed. Work with your lender to understand this requirement and how your profile measures up.
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.
Free · No documents · Usually same-day