Glossary · People and paperwork
Lender certification
In short
This is a formal statement by your lender confirming they've met all SBA requirements for your loan. It's a crucial step before the SBA issues its guarantee.
What it means in a deal
The lender certifies that they've followed all SBA rules, including credit underwriting, eligibility checks, and proper documentation. As a buyer, this certification is important because it confirms your loan is eligible for the SBA guaranty, which protects the lender and makes the loan possible.
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 Lender certification
- Which specific lender certifications are required on the Lender's Application for Guaranty (or its E-Tran equivalent) to ensure loan eligibility?
- What specific lender certifications are required on the Lender's Application for Guaranty (SBA Form 1920, or its current equivalent in E-Tran)?
- 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 1919 are critical for an applicant's eligibility, and how does a lender verify them?
- Which specific eligibility certifications are collected on SBA Form 1919 that are crucial for a 7(a) loan application and must be verified by the lender?
- What is the purpose of collecting borrower certifications on SBA Form 1919?
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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