Glossary · People and paperwork
CAIVRS(Credit Alert Interactive Voice Response System)
In short
This is a federal database that identifies individuals with delinquent federal debt, like defaulted student loans or prior federal loan defaults. Lenders check this for all key principals.
What it means in a deal
If you or any key principal has a derogatory mark in CAIVRS, you'll be ineligible for an SBA loan until it's resolved. Pull your own credit reports and check for any federal delinquencies early in the process to avoid last-minute surprises.
Official sources
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
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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