Glossary · The loan itself
Non-Delegated Loan(Non-delegated lender)
In short
A non-delegated loan means the SBA itself must review and approve your loan application, not just the lender. This process takes longer than with a delegated lender.
What it means in a deal
If your loan application has specific complexities or exceeds certain thresholds, the SBA may require a full review, even from a Preferred Lender. This adds weeks to the approval timeline, so factor this into your deal schedule. Your lender will guide you if your deal falls into this category.
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 Non-Delegated Loan
- What collateral servicing actions require prior SBA approval versus those delegated to the lender?
- What factors allow a lender to use their delegated authority (e.g., Preferred Lender status) to speed up SBA loan approval?
- Are non-owner spouses always required to personally guarantee SBA loans?
- What is the difference in repayment terms between real estate and non-real estate loans?
- Are funds from a non-U.S. citizen or non-resident investor acceptable for equity injection?
- Can a non-profit organization receive 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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