Glossary · The loan itself
In short
An assessment performed by a lender when a borrower is struggling to make loan payments, evaluating options to restructure the loan to avoid default and liquidation. This is what happens if your business hits hard times.
If your business faces financial distress after acquisition, your lender might perform a Workout Analysis before pursuing Liquidation. This involves reviewing your business's financial health to determine if a temporary payment Deferment period or loan modification is feasible. Your goal is to avoid ever getting to this point.
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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