Glossary · Reading the business
In short
The Small Business Scoring Service, a credit score used by lenders for smaller SBA loans, primarily 7(a) Small Loans. It quickly assesses creditworthiness based on business and personal data.
For loans under $500,000, many lenders use SBSS to screen applications. A low score can lead to an immediate decline or require a full, traditional credit underwriting. Understand your score before applying, and work to improve it if needed to streamline the approval process.
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.
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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