Glossary · The loan itself
All-in rate
In short
This is the total interest rate you pay on your SBA loan, combining the base rate (like WSJ Prime) and the lender's spread. It's crucial for calculating your actual monthly payments and overall loan cost.
What it means in a deal
Your 7(a) loan will have a variable interest rate tied to a base rate plus a spread set by the lender, capped by SBA rules. When comparing loan offers, always focus on the "all-in rate" to understand your true borrowing cost, not just the base rate or spread in isolation.
Official sources
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.
Related terms
Common questions about All-in rate
- What is the Wall Street Journal Prime Rate's role in SBA 7(a) loan interest rates?
- How does a change in the prime rate (or other base rate) affect my variable rate SBA 7(a) loan payments?
- What alternative base rates are available for variable-rate 7(a) loans besides the Wall Street Journal Prime rate?
- Does the SBA set all the specific loan terms like interest rates and repayment?
- How must a lender document the chosen base rate for a variable rate 7(a) loan in the loan authorization?
- Does the SBA dictate all loan terms, like interest rates and fees, for 7(a) loans?
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.
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