Glossary · Reading the business
In short
Any asset that is not readily convertible into cash, such as inventory, equipment, real estate, or goodwill. These are critical components of a business's value.
When buying a business, you're acquiring a mix of non-cash assets. Understand their fair market value and condition, as they contribute to the collateral for your SBA loan. Goodwill, a significant non-cash asset, represents the value of the business beyond its tangible assets.
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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