Glossary · The loan itself
Treasury Index
In short
A benchmark interest rate based on U.S. Treasury securities. SBA loan interest rates can be tied to a Treasury Index plus a lender's spread.
What it means in a deal
For variable rate 7(a) loans, the interest rate often floats with a base rate like WSJ Prime or SOFR. However, for fixed-rate options, a Treasury Index might be used. Understand which index your loan is tied to, as it dictates how your interest rate is calculated and can impact your monthly payments.
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 Treasury Index
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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