{"ok":true,"canonical_url":"https://dealroom.so/glossary/guaranty-percentage","api_url":"https://dealroom.so/api/public/glossary/guaranty-percentage","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":"guaranty-percentage","term":"Guaranty Percentage","group":"The loan itself","definition":"This is the portion of a defaulted SBA loan that the SBA guarantees to pay the lender. It's usually 75-90% for a 7(a) loan, limiting the lender's risk.","what_it_means":"The guaranty percentage impacts the lender's willingness to make the loan and their level of diligence. While it reduces the lender's risk, it doesn't reduce your obligation to repay the entire loan. You are always 100% responsible.","url":"https://dealroom.so/glossary/guaranty-percentage","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":"guaranty","term":"Guaranty","url":"https://dealroom.so/glossary/guaranty"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"}],"related_questions":[{"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"},{"question":"What is the maximum ownership percentage for an individual to avoid personal guaranty?","url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-ownership-percentage-for-an-individual-to-avoid-personal-guaranty"},{"question":"Do all owners of an acquiring business, regardless of ownership percentage, need to provide a personal guaranty?","url":"https://dealroom.so/sba-7a/questions/do-all-owners-of-an-acquiring-business-regardless-of-ownership-percentage-need-to-provide-"},{"question":"Is a personal guaranty required for all owners of an acquiring business, regardless of their ownership percentage?","url":"https://dealroom.so/sba-7a/questions/is-a-personal-guaranty-required-for-all-owners-of-an-acquiring-business-regardless-of-thei"},{"question":"What is the minimum ownership percentage that triggers a personal guaranty requirement for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-minimum-ownership-percentage-that-triggers-a-personal-guaranty-requirement-for"},{"question":"What is the upfront guaranty fee percentage for a 7(a) loan over $1,000,000 in FY2026?","url":"https://dealroom.so/for-lenders/questions/what-is-the-upfront-guaranty-fee-percentage-for-a-7-a-loan-over-1-000-000-in-fy2026"}]},"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 — Guaranty Percentage","url":"https://dealroom.so/glossary/guaranty-percentage","source_type":"DealRoom Data"}}