{"ok":true,"canonical_url":"https://dealroom.so/glossary/government-guaranteed","api_url":"https://dealroom.so/api/public/glossary/government-guaranteed","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":"government-guaranteed","term":"Government-guaranteed","group":"The loan itself","definition":"An SBA 7(a) loan is partly guaranteed by the U.S. government, reducing risk for the lender. This guarantee makes it easier for small businesses to get loans they might not otherwise qualify for.","what_it_means":"The SBA guarantees a percentage of the loan principal to the lender, typically 75% for larger loans and 85% for smaller ones. This doesn't mean the government pays if you default; it protects the lender. You are still personally responsible for repayment via a Personal guarantee.","url":"https://dealroom.so/glossary/government-guaranteed","official_sources":[{"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"},{"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"}],"related":[{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"},{"slug":"call-of-the-guaranty","term":"Call of the guaranty","url":"https://dealroom.so/glossary/call-of-the-guaranty"}],"related_questions":[{"question":"What are the lender requirements for pooling and selling the guaranteed portion?","url":"https://dealroom.so/for-lenders/questions/what-are-the-lender-requirements-for-pooling-and-selling-the-guaranteed-portion"},{"question":"Is an SBA 7(a) loan directly from the government?","url":"https://dealroom.so/sba-loans/basics/is-an-sba-7-a-loan-directly-from-the-government"},{"question":"What is the government's role in an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-government-s-role-in-an-sba-7-a-loan"},{"question":"Does the government directly lend money for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/does-the-government-directly-lend-money-for-an-sba-7-a-loan"},{"question":"What does the government 'guaranty' mean for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-does-the-government-guaranty-mean-for-an-sba-7-a-loan"},{"question":"Is an SBA 7(a) loan actually lent directly by the government?","url":"https://dealroom.so/sba-loans/basics/is-an-sba-7-a-loan-actually-lent-directly-by-the-government"}]},"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 — Government-guaranteed","url":"https://dealroom.so/glossary/government-guaranteed","source_type":"DealRoom Data"}}