{"ok":true,"canonical_url":"https://dealroom.so/glossary/sba-exposure","api_url":"https://dealroom.so/api/public/glossary/sba-exposure","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":"sba-exposure","term":"SBA exposure","group":"The loan itself","definition":"This refers to the amount of potential financial loss the SBA faces on a particular loan if the borrower defaults. The SBA guarantees a percentage of the loan, not the full amount.","what_it_means":"The SBA guarantees a portion of the loan (e.g., 75% or 85%) to the lender. Their \"exposure\" is that guaranteed amount. This doesn't directly affect you as the borrower, but it's why lenders must follow SBA rules; if they don't, the SBA can deny their guaranty claim, increasing the lender's exposure.","url":"https://dealroom.so/glossary/sba-exposure","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":"loan-default","term":"Loan default","url":"https://dealroom.so/glossary/loan-default"},{"slug":"net-recovery","term":"Net recovery","url":"https://dealroom.so/glossary/net-recovery"}],"related_questions":[{"question":"What does the 'SBA' in SBA 7(a) loan actually mean?","url":"https://dealroom.so/sba-loans/basics/what-does-the-sba-in-sba-7-a-loan-actually-mean"},{"question":"Does being listed on the SBA Franchise Directory guarantee SBA loan approval?","url":"https://dealroom.so/sba-7a/questions/does-being-listed-on-the-sba-franchise-directory-guarantee-sba-loan-approval"},{"question":"What does the SBA 'guarantee' mean in an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-does-the-sba-guarantee-mean-in-an-sba-7-a-loan"},{"question":"What is the \"SBA\" part of an SBA 7(a) loan, exactly?","url":"https://dealroom.so/sba-loans/basics/what-is-the-sba-part-of-an-sba-7-a-loan-exactly"},{"question":"What does the 'SBA' part of an SBA 7(a) loan mean?","url":"https://dealroom.so/sba-loans/basics/what-does-the-sba-part-of-an-sba-7-a-loan-mean"},{"question":"Do I submit my SBA 7(a) loan application directly to the SBA?","url":"https://dealroom.so/sba-loans/basics/do-i-submit-my-sba-7-a-loan-application-directly-to-the-sba"}]},"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 — SBA exposure","url":"https://dealroom.so/glossary/sba-exposure","source_type":"DealRoom Data"}}