Glossary · Doing the deal
In short
The process of designing the specific terms and conditions of a loan, including interest rate, repayment schedule, collateral, and covenants. It's key to making the deal viable for both borrower and lender.
Effective loan structuring ensures the loan meets your needs while fitting SBA guidelines and the lender's risk appetite. It involves balancing the term, interest rate, equity injection, and collateral requirements. Work with your lender to structure a deal that maximizes your success and minimizes your risk.
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.
Line up financing while you're under LOI
Tell us the business, the price, and your timeline — we'll match you with lenders who close deals like yours and flag anything that stalls the process.
Free · No documents · Usually same-day