Glossary · The loan itself
Adjustment Frequency
In short
This specifies how often the interest rate on your variable rate SBA loan can change. Understanding it helps you anticipate potential fluctuations in your monthly loan payments.
What it means in a deal
SBA 7(a) loans are typically variable rate, tied to a base rate like WSJ Prime or Term SOFR, plus a spread. The adjustment frequency dictates if your rate changes monthly, quarterly, or semi-annually. While a lower rate is good, be prepared for payment changes if the base rate increases, impacting your cash flow after debt service.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Adjustment Frequency
Defined by CapBench 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.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.