{"ok":true,"canonical_url":"https://www.capbench.com/glossary/lump-sum-disbursement","api_url":"https://www.capbench.com/api/public/glossary/lump-sum-disbursement","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"term":{"slug":"lump-sum-disbursement","term":"Lump sum disbursement","group":"The loan itself","definition":"This means the entire loan amount is paid out to the borrower or seller in a single payment, rather than in installments. Most SBA 7(a) acquisition loans are disbursed this way.","what_it_means":"For a business acquisition, your SBA 7(a) loan funds are typically provided as a \"lump sum disbursement\" at closing. The funds go directly to the seller or an escrow agent, along with your \"equity injection\" and any \"seller note,\" to complete the purchase. This differs from construction loans with staggered disbursements.","url":"https://www.capbench.com/glossary/lump-sum-disbursement","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://www.capbench.com/sba-7a/sources/sop-50-10"}],"related":[{"slug":"equity-injection","term":"Equity injection","url":"https://www.capbench.com/glossary/equity-injection"},{"slug":"seller-note","term":"Seller note","url":"https://www.capbench.com/glossary/seller-note"},{"slug":"escrow-holdback","term":"Escrow / holdback","url":"https://www.capbench.com/glossary/escrow-holdback"},{"slug":"total-project-costs","term":"Total project costs","url":"https://www.capbench.com/glossary/total-project-costs"}],"related_questions":[{"question":"What documentation is required to verify equity injection from a newly inherited sum of money?","url":"https://www.capbench.com/for-lenders/questions/what-documentation-is-required-to-verify-equity-injection-from-a-newly-inherited-sum-of-mo"},{"question":"After SBA 7(a) loan approval, what's the typical timeframe for closing and disbursement?","url":"https://www.capbench.com/sba-7a/questions/after-sba-7-a-loan-approval-what-s-the-typical-timeframe-for-closing-and-disbursement"},{"question":"How does a lender resolve an E-Tran error where the authorized loan amount is incorrect after approval but before disbursement?","url":"https://www.capbench.com/for-lenders/questions/how-does-a-lender-resolve-an-e-tran-error-where-the-authorized-loan-amount-is-incorrect-af"}]},"caveats":["Definitions represent CapBench's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"CapBench Glossary — Lump sum disbursement","url":"https://www.capbench.com/glossary/lump-sum-disbursement","source_type":"CapBench Data"}}