Glossary · Your money in the deal
In short
This is real estate you own personally that is free of any mortgages or liens. The SBA requires you to pledge it as additional collateral if your business assets don't fully secure the loan.
If the business assets don't cover the entire loan amount, the lender will look to your unencumbered personal real estate. You'll likely need to provide a second mortgage or deed of trust on your home or other properties. This can be a major sticking point for buyers.
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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