Glossary · Your money in the deal
In short
Your individual credit history and score, reflecting your past ability to manage debt. This is a critical factor in qualifying for an SBA 7(a) loan.
Lenders heavily weigh your Personal Credit as part of evaluating your character and repayment capacity for an SBA loan. A strong FICO score and a clean credit report are essential. Derogatory marks like bankruptcies or foreclosures can disqualify you, even if the business itself is strong. Address any issues before applying.
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.
Figure out your down payment and equity injection
Tell us your purchase price and how you're funding the down payment — we'll sanity-check the equity injection and show what lenders will actually accept.
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