Glossary · The loan itself
Reset period
In short
The frequency at which the variable interest rate on your SBA loan is adjusted. Common reset periods are monthly, quarterly, or semi-annually.
What it means in a deal
If your SBA loan has a variable interest rate (e.g., Fixed Spread SOFR + margin), the reset period dictates how often that rate changes. A monthly reset means more frequent payment adjustments, while a quarterly reset offers more stability between changes. Understand your loan's reset period to anticipate changes in your debt service.
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 Reset period
- Can a lender approve a deferment period without prior SBA approval?
- What is the typical repayment period for an SBA 7(a) loan?
- Can a full standby seller note accrue interest during the standby period?
- What is the usual repayment period for an SBA 7(a) loan?
- What happens if the acquired business declines significantly during the loan underwriting period?
- What is the maximum repayment period allowed 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.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.