Glossary · The loan itself
Collateral Pool
In short
The total assets the lender can seize if you default on your SBA loan. Since SBA loans require all available business and personal assets as collateral, this pool is often broad.
What it means in a deal
The lender will identify all available business assets (like equipment, inventory, accounts receivable) and personal assets (like your home equity) to secure the loan. Understand what's in this pool; it's what you stand to lose if the business fails.
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 Collateral Pool
- What are the lender requirements for pooling and selling the guaranteed portion?
- What are the lender requirements for pooling and selling the guaranteed portion of a 7(a) loan?
- Can a 7(a) lender release a portion of the collateral without prior SBA approval if the remaining collateral is sufficient?
- When can a 7(a) lender release a portion of the collateral without prior SBA approval if the remaining collateral is sufficient?
- What are the requirements for pooling and selling the guaranteed portion of a 7(a) loan on the secondary market?
- Can cash in the business bank account count as collateral?
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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