Glossary · The loan itself
In short
This is the interest rate a lender charges, factoring in the perceived risk of the borrower and the business. Higher risk generally means a higher interest rate for the buyer.
SBA loan interest rates have a maximum spread over the Prime Rate or Term SOFR. Your specific rate within that range will be risk-adjusted by the lender based on your creditworthiness, the business's cash flow, and collateral. A stronger deal means a better rate, directly impacting your debt service.
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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