{"ok":true,"canonical_url":"https://dealroom.so/glossary/outstanding-guaranteed-principal-balance","api_url":"https://dealroom.so/api/public/glossary/outstanding-guaranteed-principal-balance","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":"outstanding-guaranteed-principal-balance","term":"Outstanding guaranteed principal balance","group":"The loan itself","definition":"This is the portion of your loan's remaining principal that the SBA guarantees to your lender. It's the basis for calculating the ongoing guaranty fee you pay.","what_it_means":"As you repay your loan, this balance decreases, which in turn reduces your annual ongoing guaranty fee. Understand this figure, as it directly impacts your loan's total cost over time and the lender's risk exposure.","url":"https://dealroom.so/glossary/outstanding-guaranteed-principal-balance","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":"ongoing-guaranty-fee","term":"Ongoing guaranty fee","url":"https://dealroom.so/glossary/ongoing-guaranty-fee"},{"slug":"loan-guaranty","term":"Loan guaranty","url":"https://dealroom.so/glossary/loan-guaranty"},{"slug":"principal-and-interest","term":"Principal and interest","url":"https://dealroom.so/glossary/principal-and-interest"},{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"}],"related_questions":[{"question":"What is the maximum total outstanding balance for all SBA 7(a) loans to one business?","url":"https://dealroom.so/sba-loans/basics/what-is-the-maximum-total-outstanding-balance-for-all-sba-7-a-loans-to-one-business"},{"question":"What is the prepayment penalty calculation for a 7(a) loan with a principal balance exceeding $500,000?","url":"https://dealroom.so/for-lenders/questions/what-is-the-prepayment-penalty-calculation-for-a-7-a-loan-with-a-principal-balance-exceedi"},{"question":"Is there a prepayment penalty for early repayment of my SBA 7(a) loan if the principal balance is under $500,000?","url":"https://dealroom.so/sba-7a/questions/is-there-a-prepayment-penalty-for-early-repayment-of-my-sba-7-a-loan-if-the-principal-bala"},{"question":"If I significantly reduce the principal balance of my SBA 7(a) loan within the first three years, will a prepayment penalty apply?","url":"https://dealroom.so/sba-7a/questions/if-i-significantly-reduce-the-principal-balance-of-my-sba-7-a-loan-within-the-first-three-"},{"question":"Can a personal guaranty be released if the business performs exceptionally well and the loan balance is significantly reduced?","url":"https://dealroom.so/sba-7a/questions/can-a-personal-guaranty-be-released-if-the-business-performs-exceptionally-well-and-the-lo"},{"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"}]},"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 — Outstanding guaranteed principal balance","url":"https://dealroom.so/glossary/outstanding-guaranteed-principal-balance","source_type":"DealRoom Data"}}