Glossary · Reading the business
In short
Many lenders use their own proprietary models to assess a borrower's creditworthiness and the risk of a loan. It's a key factor in their decision-making beyond just your FICO score.
While the SBA has its own SBSS score for smaller loans, lenders often run their own Internal Credit Scoring Model for larger 7(a) deals. This model evaluates your personal credit, the business's financials, and other risk factors. A strong score improves your chances and may influence loan terms.
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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