Glossary · People and paperwork
borrower certification
In short
A formal statement signed by you, the borrower, attesting that the information provided in your loan application is true and accurate to the best of your knowledge. Misrepresentation can have serious consequences.
What it means in a deal
You'll sign multiple borrower certifications throughout the loan process, including on SBA Form 1919 and at closing. These are legally binding. Ensure all information you've provided, from personal financial statements to business plans, is completely accurate before signing, as false statements can lead to the SBA denying the loan guaranty or even legal action.
Official sources
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
SBA Form 1919 — Borrower Information Form
U.S. Small Business Administration · SBA form
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about borrower certification
- What is the purpose of collecting borrower certifications on SBA Form 1919?
- How does a lender verify the accuracy and completeness of borrower certifications on SBA Form 1919 regarding criminal history?
- What documentation is needed to verify a borrower's equity injection when it comes from an existing business owned by the borrower?
- What does 'SBA guarantee' actually mean for me, the borrower?
- What does the 'SBA guarantee' actually mean for me, the borrower?
- How does the SBA guarantee truly benefit me as the borrower?
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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