Glossary · The loan itself
Non-guaranteed loan
In short
This refers to the portion of an SBA loan that is not covered by the SBA's guaranty. For a 7(a) loan, the SBA typically guarantees 75-90% of the loan amount.
What it means in a deal
While the SBA guarantees a portion of your 7(a) loan, the lender is still on the hook for the non-guaranteed part. This means the lender has a strong incentive to ensure the deal is sound, as they bear significant risk. Don't assume the SBA guaranty makes the loan
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 Non-guaranteed loan
- Are non-owner spouses always required to personally guarantee SBA loans?
- What are the lender requirements for pooling and selling the guaranteed portion?
- If my loan is guaranteed by the SBA, does that mean I don't need collateral?
- What are the lender requirements for pooling and selling the guaranteed portion of a 7(a) loan?
- What is the difference in repayment terms between real estate and non-real estate loans?
- What specific reporting requirements apply to a 7(a) lender after selling the guaranteed portion of a loan?
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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