Glossary · Doing the deal
Loan structuring
In short
The process of designing the specific terms and conditions of a loan, including interest rate, repayment schedule, collateral, and covenants. It's key to making the deal viable for both borrower and lender.
What it means in a deal
Effective loan structuring ensures the loan meets your needs while fitting SBA guidelines and the lender's risk appetite. It involves balancing the term, interest rate, equity injection, and collateral requirements. Work with your lender to structure a deal that maximizes your success and minimizes your risk.
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 Loan structuring
- How does the SBA define "change of ownership" for eligibility and loan structuring purposes?
- What specific details must a lender verify when structuring life insurance collateral assignments for multiple key principals with varying ownership stakes?
- 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?
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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