Glossary · People and paperwork
Borrower Certifications
In short
These are formal statements signed by you, the borrower, affirming the accuracy of information provided and your compliance with specific loan requirements. They carry legal weight.
What it means in a deal
Throughout the SBA loan process, you will sign numerous Borrower Certifications, including on SBA Form 1919 and at closing. These attest to your eligibility, the truthfulness of your financial disclosures, and your understanding of the loan terms. Misrepresentations can lead to loan default or even fraud charges, so review them carefully.
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 Certifications
- 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 specific certifications on SBA Form 1920 (or E-Tran equivalent) relate to credit elsewhere?
- Are specific certifications or licenses required for my industry for SBA 7(a) loan approval?
- Are there specific certifications or licenses required for my industry for SBA 7(a) loan approval?
- What eligibility certifications are collected on SBA Form 1919 that are crucial for a 7(a) loan application?
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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