Glossary · The loan itself
Servicing Rights
In short
The contractual right to collect loan payments, manage escrow accounts, and handle customer service for a loan. Even if your lender sells your loan into a pool, they often retain the Servicing Rights, meaning you'll continue to interact with them.
What it means in a deal
Your lender will typically retain the Servicing Rights for your 7(a) loan, even if they sell the guaranteed portion on the Secondary market. This means your payments, inquiries, and any issues will still go through your original lender. This doesn't impact your loan terms, but it clarifies who you'll work with post-closing.
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 Servicing Rights
- Can an SBA 7(a) loan finance the purchase of intellectual property rights from a third party?
- Are there annual servicing fees or other recurring charges beyond the SBA servicing fee?
- What servicing actions require prior written SBA approval?
- How is the ongoing servicing fee calculated and remitted to the SBA?
- Which servicing actions can a 7(a) lender take without prior SBA approval?
- What servicing actions can a 7(a) lender take without prior SBA approval?
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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