Glossary · Doing the deal
Deal restructuring
In short
This involves modifying the terms of an acquisition, such as price, financing, or collateral, to make it viable for both buyer and seller. It's often necessary to meet SBA lending requirements.
What it means in a deal
If the initial deal structure doesn't meet SBA guidelines (e.g., too much seller debt, insufficient equity injection, or a large collateral gap), you'll need to restructure. This might mean increasing your down payment, negotiating a different seller note structure (e.g., full standby), or finding additional collateral. Be prepared to go back to the seller with revised terms.
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 Deal restructuring
- What are the common deal-killing issues during underwriting of an SBA 7(a) acquisition loan?
- If the seller refuses to provide a standby note for their portion, does that kill the deal?
- If the business I'm buying has a temporary decline in revenue during due diligence, will it kill the deal?
- If the business I'm buying has a temporary decline in revenue during the due diligence period, will it kill the deal?
- Can I include the purchase of commercial real estate, where the business operates, within the same SBA 7(a) loan for a $2 million deal?
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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