Glossary · People and paperwork
In short
This is a bank's own set of rules and guidelines for assessing loan applications, separate from SBA requirements. Lenders must meet both their own and the SBA's standards.
Even if a deal meets all SBA eligibility criteria, it must also satisfy the specific lender's internal credit policy. These policies can vary significantly between banks and might include stricter FICO score minimums, DSCR requirements, or industry preferences. Work with a lender whose policies align with your deal's strengths.
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.
Know what you'll need before you apply
Tell us about the deal and who's buying — we'll flag the guaranty, eligibility, and paperwork issues that slow SBA approval before they cost you time.
Free · No documents · Usually same-day