Glossary · The loan itself
In short
A lien on fixtures means the lender has a legal claim on items permanently attached to the business property, like built-in shelving or HVAC systems, as collateral for the loan.
When a business is acquired, its fixtures are often part of the collateral package. The lender will file a UCC lien to perfect their security interest in these assets. Understand that if you default, the lender can claim these items, even if they're physically attached.
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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