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Small Business Center

Thinking of Transferring Your SBA Loan? Here’s What You Need To Know

April 11, 2025

Transferring a Small Business Association loan — a process known as loan assumption — typically occurs when a business is sold or transferred, explains a recent article from NerdWallet. While often lengthy and document-intensive, assumption may offer advantages for both sellers, who can avoid prepayment penalties, and buyers seeking to lock in the loan’s existing interest rate, remaining balance and repayment schedule.

Learn more about how SBA loan assumptions work and what to expect from the process in NerdWallet’s full guide.

By Rebecca Meiser

Contributor, Commerce + Communities Today and Small Business Center