{"ok":true,"canonical_url":"https://dealroom.so/glossary/guaranteed-portion","api_url":"https://dealroom.so/api/public/glossary/guaranteed-portion","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-portion","term":"Guaranteed Portion","aka":"SBA Guaranty","group":"The loan itself","definition":"This is the percentage of your SBA 7(a) loan that the SBA promises to repay the lender if you default. It reduces the lender's risk, making them more willing to lend.","what_it_means":"For most 7(a) loans up to $5 million, the SBA guarantees 75% of the loan. This guarantee doesn't protect you, the borrower; it protects the lender. You are still 100% responsible for repayment.","url":"https://dealroom.so/glossary/guaranteed-portion","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":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"participating-lender","term":"Participating Lender","url":"https://dealroom.so/glossary/participating-lender"},{"slug":"collateral-requirements","term":"Collateral Requirements","url":"https://dealroom.so/glossary/collateral-requirements"}],"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":"What specific lender reporting requirements apply to the sale of the guaranteed portion on the secondary market?","url":"https://dealroom.so/for-lenders/questions/what-specific-lender-reporting-requirements-apply-to-the-sale-of-the-guaranteed-portion-on"},{"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":"What specific reporting requirements apply to a 7(a) lender after selling the guaranteed portion of a loan?","url":"https://dealroom.so/for-lenders/questions/what-specific-reporting-requirements-apply-to-a-7-a-lender-after-selling-the-guaranteed-po"},{"question":"What specific representations and warranties must a lender make when selling the guaranteed portion of a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-specific-representations-and-warranties-must-a-lender-make-when-selling-the-guarantee"},{"question":"What are the lender's responsibilities after selling the guaranteed portion of a 7(a) loan on the secondary market?","url":"https://dealroom.so/for-lenders/questions/what-are-the-lender-s-responsibilities-after-selling-the-guaranteed-portion-of-a-7-a-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 Portion","url":"https://dealroom.so/glossary/guaranteed-portion","source_type":"DealRoom Data"}}