Glossary
SBA Terms

Collateral

Assets pledged by a borrower to secure a loan or other credit, and subject to seizure in the event of default. The preferred collateral for an SBA disaster loan is real estate

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.
Collateral
Assets pledged by a borrower to secure a loan...
Intermediary Organization
Organizations that play a funda...
Affiliates
Business concerns, organizations, or...
Cash Flow Test
Part of the CET that determines if...
Loan Authorization and Agreement (LA&A)
A contract between SBA and the borrower that...
GPM%
The measure of every sales dollar left...
Negotiation
Contracting through the use of...
Cash-basis Accounting
records revenue when cash is...
Guarantor
The legal entity and...
Trend Analysis
A comparative analysis of...
Small Business Innovative Research (SBIR) Contract
A type of contract designed to...
Phase 1
Process used to determine the...
Defense Contractor
Any person who enters into...
Small Business
A business smaller than...
Contracting Officer
A person with the authority to...

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