{"ok":true,"canonical_url":"https://dealroom.so/glossary/guaranteed-loan-program","api_url":"https://dealroom.so/api/public/glossary/guaranteed-loan-program","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":"guaranteed-loan-program","term":"Guaranteed loan program","group":"The loan itself","definition":"A program where the SBA guarantees a portion of a loan made by a commercial lender, reducing the lender's risk. This encourages banks to lend to small businesses they might otherwise deem too risky.","what_it_means":"The SBA 7(a) is a guaranteed loan program, meaning the SBA promises to repay a percentage of your loan to the lender if you default. This guarantee makes it possible for many small business acquisitions to get funded, but it doesn't remove your personal guarantee or responsibility to repay.","url":"https://dealroom.so/glossary/guaranteed-loan-program","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":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"},{"slug":"personal-guarantee","term":"Personal guarantee","url":"https://dealroom.so/glossary/personal-guarantee"},{"slug":"preferred-lender","term":"Preferred Lender","url":"https://dealroom.so/glossary/preferred-lender"}],"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":"If my loan is guaranteed by the SBA, does that mean I don't need collateral?","url":"https://dealroom.so/sba-loans/basics/if-my-loan-is-guaranteed-by-the-sba-does-that-mean-i-don-t-need-collateral"},{"question":"Does the SBA 7(a) program have a minimum loan size?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-7-a-program-have-a-minimum-loan-size"},{"question":"What are the lender requirements for pooling and selling the guaranteed portion of a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-are-the-lender-requirements-for-pooling-and-selling-the-guaranteed-portion-of-a-7-a-l"},{"question":"Is there a minimum loan amount for an SBA 7(a) loan program?","url":"https://dealroom.so/sba-loans/basics/is-there-a-minimum-loan-amount-for-an-sba-7-a-loan-program"},{"question":"What is the minimum loan amount for an SBA 7(a) program loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-minimum-loan-amount-for-an-sba-7-a-program-loan"}]},"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 — Guaranteed loan program","url":"https://dealroom.so/glossary/guaranteed-loan-program","source_type":"DealRoom Data"}}