{"ok":true,"canonical_url":"https://dealroom.so/glossary/sba-loan-guaranty","api_url":"https://dealroom.so/api/public/glossary/sba-loan-guaranty","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-loan-guaranty","term":"SBA Loan Guaranty","aka":"SBA Guaranty","group":"The loan itself","definition":"The portion of your SBA loan that the Small Business Administration promises to pay the lender if you default. This guarantee reduces the lender's risk, making them more willing to lend.","what_it_means":"The SBA doesn't lend directly; it guarantees a percentage (typically 75-90%) of the loan made by a bank. This guarantee doesn't protect you, the borrower, but it encourages lenders to provide capital for small businesses. You are still 100% responsible for the full loan amount.","url":"https://dealroom.so/glossary/sba-loan-guaranty","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":"terms-conditions-eligibility","title":"7(a) Loan Program — Terms, Conditions, and Eligibility","official_url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility","official_label":"View on SBA.gov","authority_tier":5,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/terms-conditions-eligibility"}],"related":[{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"guaranty","term":"Guaranty","url":"https://dealroom.so/glossary/guaranty"},{"slug":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"},{"slug":"lender-closing-costs","term":"Lender closing costs","url":"https://dealroom.so/glossary/lender-closing-costs"}],"related_questions":[{"question":"What does 'SBA guaranty' mean for my business loan application?","url":"https://dealroom.so/sba-loans/basics/what-does-sba-guaranty-mean-for-my-business-loan-application"},{"question":"What is the purpose of the SBA's loan guaranty?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-sba-s-loan-guaranty"},{"question":"What is a personal guaranty for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-a-personal-guaranty-for-an-sba-7-a-loan"},{"question":"What is the purpose of the SBA guaranty fee on my loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-sba-guaranty-fee-on-my-loan"},{"question":"What does the government 'guaranty' mean for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-does-the-government-guaranty-mean-for-an-sba-7-a-loan"},{"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"}]},"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 Loan Guaranty","url":"https://dealroom.so/glossary/sba-loan-guaranty","source_type":"DealRoom Data"}}