Glossary · The loan itself
In short
Additional assets pledged to secure an SBA loan when the primary business assets don't fully cover the loan amount. This often includes personal assets like real estate.
If the liquidation value of the business assets (primary collateral) is insufficient to secure the loan fully, the lender will look for secondary collateral. This frequently means personal real estate (such as your home or investment properties) or other marketable assets. Be prepared for a lien on these assets, as it's common for SBA loans.
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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