Glossary · The loan itself
In short
This means the entire loan amount is paid out to the borrower or seller in a single payment, rather than in installments. Most SBA 7(a) acquisition loans are disbursed this way.
For a business acquisition, your SBA 7(a) loan funds are typically provided as a "lump sum disbursement" at closing. The funds go directly to the seller or an escrow agent, along with your "equity injection" and any "seller note," to complete the purchase. This differs from construction loans with staggered disbursements.
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.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day