Glossary · Your money in the deal
In short
These are items of value you own outside the business, like your home, investment accounts, or vehicles. They are often required as additional collateral for an SBA loan.
Expect to pledge your unencumbered personal assets as collateral, even if the business assets cover the loan. This is part of the SBA's "all available collateral" rule and reinforces your personal guarantee. Lenders will review your personal financial statement.
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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