{"ok":true,"canonical_url":"https://dealroom.so/glossary/government-guaranty","api_url":"https://dealroom.so/api/public/glossary/government-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":"government-guaranty","term":"Government guaranty","group":"The loan itself","definition":"This is the SBA's promise to reimburse a portion of your lender's loss if you default on your 7(a) loan. It reduces the lender's risk, making it easier for them to lend to small businesses.","what_it_means":"The SBA guarantees up to 75-85% of the loan amount, depending on size. This guaranty makes lenders more willing to approve loans for small business acquisitions, even with less traditional collateral. While it protects the lender, it doesn't remove your obligation to repay.","url":"https://dealroom.so/glossary/government-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":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"guaranty-purchase-claim","term":"Guaranty purchase claim","url":"https://dealroom.so/glossary/guaranty-purchase-claim"}],"related_questions":[{"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 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":"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"},{"question":"Is an SBA 7(a) loan different from other types of government assistance?","url":"https://dealroom.so/sba-loans/basics/is-an-sba-7-a-loan-different-from-other-types-of-government-assistance"}]},"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 guaranty","url":"https://dealroom.so/glossary/government-guaranty","source_type":"DealRoom Data"}}