Glossary · Doing the deal
Credit Decision
In short
This is the lender's final determination on whether to approve your loan application. It's based on their assessment of your creditworthiness and the business's financial health.
What it means in a deal
The credit decision is a critical milestone in your acquisition process. It comes after extensive underwriting and due diligence. A positive decision means you've secured financing, but it's still subject to final closing conditions.
Related terms
Common questions about Credit Decision
- Which individuals must complete SBA Form 413 and how does it inform credit decisions?
- Who actually makes the decision to approve or deny an SBA 7(a) loan?
- Does the SBA directly approve my loan, or does a bank make the final decision?
- Who actually makes the decision to approve or deny my SBA 7(a) loan application?
- Can a lender appeal an SBA decision to repair or deny a guaranty purchase request?
- Who makes the final decision on whether my SBA 7(a) loan is approved or denied?
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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