Glossary · Doing the deal
In short
When a lender's human underwriters review your loan application, rather than relying solely on automated credit scoring. This happens for complex deals or when automated systems flag issues, requiring a deeper look.
For SBA 7(a) loans, manual underwriting is common for larger or more complex acquisitions, or if your credit profile has nuances. Be prepared to provide detailed explanations and documentation to support your application, as the human review will be thorough.
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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