Glossary · The loan itself
Loan pricing
In short
Loan pricing refers to the interest rate and fees charged on a loan, determining your cost of borrowing. As a buyer, you care because it directly impacts your monthly debt service and the overall profitability of your acquired business.
What it means in a deal
SBA 7(a) loan pricing is typically a variable rate tied to a base rate like the WSJ Prime Rate or Term SOFR, plus a lender's spread, subject to SBA maximums. Understand the current rates and how they might fluctuate. The ongoing servicing fee is also part of your overall loan cost.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Loan pricing
- Does an SBA loan have better terms than a regular bank loan?
- What is the minimum loan amount for an SBA 7(a) loan?
- What is the maximum loan amount for an SBA 7(a) loan?
- Is there a typical average loan size for an SBA 7(a) loan?
- How is the maximum loan amount for an SBA 7(a) loan determined?
- Is there a minimum loan amount for an SBA 7(a) loan program?
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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