Glossary · The loan itself
In short
The process of interest building up on your loan balance over time, even before payments start. It determines the total interest owed on your debt.
Interest on your SBA loan starts accruing as soon as funds are disbursed, even if you have an initial deferment period for principal payments. You should understand your loan's interest rate (variable or fixed) and how often interest is calculated to accurately project your debt service. Accrued interest not paid can be added to the principal, increasing your total debt.
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.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day