{"ok":true,"canonical_url":"https://dealroom.so/glossary/unguaranteed-portion","api_url":"https://dealroom.so/api/public/glossary/unguaranteed-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":"unguaranteed-portion","term":"Unguaranteed portion","group":"The loan itself","definition":"The percentage of an SBA 7(a) loan that is not covered by the SBA guaranty. The lender bears 100% of the risk for this part if the borrower defaults.","what_it_means":"The SBA guarantees a percentage of the loan (e.g., 75% or 85%), but the lender is fully exposed to the risk of the remaining \"unguaranteed\" portion. This means the lender has a strong incentive to underwrite carefully and pursue collections diligently in case of default.","url":"https://dealroom.so/glossary/unguaranteed-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":"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"}],"related_questions":[{"question":"What are the risks for a lender holding the unguaranteed portion of an SBA 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-are-the-risks-for-a-lender-holding-the-unguaranteed-portion-of-an-sba-7-a-loan"},{"question":"Post-secondary market sale, what are the lender's continuing obligations regarding servicing, reporting, and liquidation of the unguaranteed portion of a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/post-secondary-market-sale-what-are-the-lender-s-continuing-obligations-regarding-servicin"},{"question":"Is there a minimum cash portion for the equity injection?","url":"https://dealroom.so/sba-7a/questions/is-there-a-minimum-cash-portion-for-the-equity-injection"},{"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":"Does the SBA guarantee cover the entire loan amount, or only a portion?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-guarantee-cover-the-entire-loan-amount-or-only-a-portion"},{"question":"Can a seller-financed portion of an acquisition count as my down payment?","url":"https://dealroom.so/sba-loans/basics/can-a-seller-financed-portion-of-an-acquisition-count-as-my-down-payment"}]},"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 — Unguaranteed portion","url":"https://dealroom.so/glossary/unguaranteed-portion","source_type":"DealRoom Data"}}