Glossary · The loan itself
Lien on fixtures
In short
A lien on fixtures means the lender has a legal claim on items permanently attached to the business property, like built-in shelving or HVAC systems, as collateral for the loan.
What it means in a deal
When a business is acquired, its fixtures are often part of the collateral package. The lender will file a UCC lien to perfect their security interest in these assets. Understand that if you default, the lender can claim these items, even if they're physically attached.
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 Lien on fixtures
- Does the SBA take a lien on all business assets, even minor fixtures or intangible assets?
- When must a lender take a lien on specific equipment for collateral, beyond a blanket lien?
- Is a separate lien required on each piece of equipment if a blanket lien is already in place?
- Does the SBA take a lien on my personal home as collateral?
- Is a blanket lien on all business assets a standard SBA requirement?
- What is the SBA's general requirement for lien position on business 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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