Glossary · The loan itself
Loan structure
In short
This refers to the specific terms and conditions of your loan, including interest rate, repayment schedule, collateral requirements, and any covenants. It's the blueprint of your financing.
What it means in a deal
The loan structure dictates how much you pay, when you pay it, and what assets secure the loan. Pay close attention to the interest rate (fixed or variable), term, amortization schedule, and any personal guarantees or collateral requirements. Understand how the lender's commitment letter outlines the full structure before you proceed.
Related terms
Common questions about Loan structure
- Can I change my business structure after getting an SBA 7(a) loan?
- How does the purchase agreement structure affect an SBA partner buyout?
- Are there specific requirements for the business entity structure for an SBA 7(a) loan?
- Does my business legal structure (like LLC or Sole Proprietorship) affect SBA 7(a) loan eligibility?
- Can an earn-out provision in a purchase agreement affect 7(a) loan eligibility or structure?
- What if the acquired business changes its legal entity structure after the SBA loan is approved?
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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