Glossary · Your money in the deal
In short
A portion of the purchase price that the seller agrees to finance, where the buyer repays the seller over time. This reduces the cash you need upfront for the acquisition.
Seller debt is a common component of small business acquisitions. For SBA 7(a) loans, any seller debt must be on full standby. This means the seller cannot receive payments until the SBA loan is repaid, strengthening the business's cash flow for the primary lender.
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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