Glossary
SBA Terms

Break-even Analysis

A calculation of the approximate sales volume required to just cover costs, below which production would be unprofitable and above which it would be profitable. Break-even analysis focuses on the relationship between fixed cost, variable cost and profit.

Updated on
September 9, 2022
Published on
June 20, 2018
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SBA 7a Loans

The 7(a) Loan Program, SBA’s most common loan program, includes assistance for each business with unique needs.
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SBA 504 Loans

SBA 504 loans are very popular for long-term, fixed rate financing of up to $5 million for major fixed assets.
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SBA Microloans

The average Microloan is about $13,000. The Microloans program provides loans up to $50,000 to small businesses.
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SBA Glossary

Common SBA Terms

Everything you need to know about common terms used to discuss SBA Loans.
Intermediary Organization
Organizations that play a funda...
Companion File
When an applicant has another application filed...
Applicant Individual
aka who is requesting an SBA loan...
Defense Contractor
Any person who enters into...
Sole Proprietor
an individual who...
Current Assets
A balance sheet item which equals...
Mentor
A business, usually large, or...
Cash Flow Test
Part of the CET that determines if...
DBA
ex. Blocker & Sons LLC, doing business as Bob's Burgers
Full and Open Competition
With respect to a contract action...
Credit Score Test
Part of the home loan CET show a...
Loan Authorization and Agreement (LA&A)
A contract between SBA and the borrower that...
Accrual Basis Accounting
recognizes revenues when earned and expenses are...
Certificate of Competency
A certificate issued by the Small Bus...
Projection
An estimate of future economic or...

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