{"ok":true,"canonical_url":"https://dealroom.so/glossary/certificate-of-guaranty","api_url":"https://dealroom.so/api/public/glossary/certificate-of-guaranty","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"certificate-of-guaranty","term":"Certificate of Guaranty","group":"People and paperwork","definition":"This is the official document issued by the SBA to the lender, formally evidencing the SBA's guarantee on a portion of your loan. It's proof of the SBA's backing.","what_it_means":"Once your loan is approved and closed, the SBA issues this certificate to your lender. It's a critical document for the lender, as it confirms the SBA will cover a percentage of the loan if you default. You won't typically see it, but it underpins your lender's confidence.","url":"https://dealroom.so/glossary/certificate-of-guaranty","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"guaranty","term":"Guaranty","url":"https://dealroom.so/glossary/guaranty"},{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"},{"slug":"sba-loan-authorization","term":"SBA Loan Authorization","url":"https://dealroom.so/glossary/sba-loan-authorization"},{"slug":"loan-agreement","term":"Loan agreement","url":"https://dealroom.so/glossary/loan-agreement"}],"related_questions":[{"question":"Can a borrower's investment in a certificate of deposit (CD) count towards the required equity injection?","url":"https://dealroom.so/for-lenders/questions/can-a-borrower-s-investment-in-a-certificate-of-deposit-cd-count-towards-the-required-equi"},{"question":"Can I use funds from a Certificate of Deposit (CD) that matures after closing for my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-i-use-funds-from-a-certificate-of-deposit-cd-that-matures-after-closing-for-my-equity-"},{"question":"What is the purpose of the SBA's loan guaranty?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-sba-s-loan-guaranty"},{"question":"What are the benefits of the SBA guaranty for the lender?","url":"https://dealroom.so/sba-loans/basics/what-are-the-benefits-of-the-sba-guaranty-for-the-lender"},{"question":"What is the purpose of the SBA guaranty fee on my loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-sba-guaranty-fee-on-my-loan"},{"question":"What is the maximum percentage of an SBA 7(a) loan guaranty?","url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-percentage-of-an-sba-7-a-loan-guaranty"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Certificate of Guaranty","url":"https://dealroom.so/glossary/certificate-of-guaranty","source_type":"DealRoom Data"}}