Glossary · The loan itself
Loan Restructuring
In short
This involves modifying the original terms of a loan, such as the repayment schedule, interest rate, or maturity date, to make it more manageable for a struggling borrower. It's a way to avoid default.
What it means in a deal
If your business faces financial hardship that impacts your ability to make loan payments, you might negotiate loan restructuring with your SBA lender. This could involve deferring principal payments or extending the loan term. Proactively engage with your lender at the first sign of trouble; waiting until default makes restructuring much harder.
Official sources
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 Loan Restructuring
- 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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