Glossary · People and paperwork
Spousal Joinder
In short
This is a document signed by your spouse, often waiving any community property rights to collateral pledged for the loan. It ensures the lender's security interest is clear.
What it means in a deal
If you are married and live in a community property state, or if your spouse has an ownership interest in assets pledged as collateral, your lender will likely require a spousal joinder. This document clarifies that your spouse agrees to the use of joint or community property as collateral for the business loan.
Official sources
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
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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