Glossary · The loan itself
In short
These are maximum allowable interest rates set by the SBA for variable rate 7(a) loans, protecting borrowers from excessively high rate increases.
While your loan will have a variable rate tied to an index, the SBA sets a maximum cap the lender can charge, typically Prime + 6.5%. This provides some protection against extreme rate hikes. Always confirm your loan's specific cap.
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.
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