Glossary · The loan itself
Guaranteed Portion(SBA Guaranty)
In short
This is the percentage of your SBA 7(a) loan that the SBA promises to repay the lender if you default. It reduces the lender's risk, making them more willing to lend.
What it means in a deal
For most 7(a) loans up to $5 million, the SBA guarantees 75% of the loan. This guarantee doesn't protect you, the borrower; it protects the lender. You are still 100% responsible for repayment.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Guaranteed Portion
- What are the lender requirements for pooling and selling the guaranteed portion?
- What specific lender reporting requirements apply to the sale of the guaranteed portion on the secondary market?
- What are the lender requirements for pooling and selling the guaranteed portion of a 7(a) loan?
- What specific reporting requirements apply to a 7(a) lender after selling the guaranteed portion of a loan?
- What specific representations and warranties must a lender make when selling the guaranteed portion of a 7(a) loan?
- What are the lender's responsibilities after selling the guaranteed portion of a 7(a) loan on the secondary market?
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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