{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-percentage-of-an-sba-7-a-loan-guaranty","api_url":"https://dealroom.so/api/public/questions/what-is-the-maximum-percentage-of-an-sba-7-a-loan-guaranty","question":"What is the maximum percentage of an SBA 7(a) loan guaranty?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"The maximum percentage of an SBA 7(a) loan that the SBA will guarantee is 85% for loans up to $150,000 and 75% for loans exceeding $150,000.","rule":"The SBA guaranty percentage varies by loan size. For loans up to and including $150,000, the guaranty is 85%. For loans exceeding $150,000, the guaranty is 75%. The maximum loan amount for a 7(a) loan is $5,000,000, regardless of the guaranty percentage.","example":"A lender approves a $100,000 7(a) loan for a new business. The SBA will guarantee 85% of this loan, or $85,000. For a $1,000,000 7(a) loan, the SBA will guarantee 75%, or $750,000.","what_lenders_check":"Lenders must correctly calculate the SBA's guaranteed portion for each loan. This directly impacts the lender's exposure and the fee paid to the SBA. Miscalculation can lead to errors in fee payments or understanding risk.","required_facts":["Loan amount","Guaranty percentage","$150K threshold","Lender exposure","SBA fee calculation"],"source_families":["7(a) Loan Program Terms, Conditions, and Eligibility","SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026"],"official_sources":[{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"},{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"7(a) Fees Effective During Fiscal Year 2026","url":"https://www.sba.gov/sites/default/files/2025-08/Info%20Notice%20-%207%28a%29%20Fees%20FY%202026%20%28FINAL%208-28-25%29.pdf"}],"related_questions":[{"question":"How is the upfront guaranty fee calculated for a 7(a) loan of $500,000 for FY2026?","url":"https://dealroom.so/for-lenders/questions/how-is-the-upfront-guaranty-fee-calculated-for-a-7-a-loan-of-500-000-for-fy2026"},{"question":"What is the process for a lender to remit the SBA upfront guaranty fee after loan closing?","url":"https://dealroom.so/for-lenders/questions/what-is-the-process-for-a-lender-to-remit-the-sba-upfront-guaranty-fee-after-loan-closing"},{"question":"How does the SBA calculate the 7(a) loan guaranty fee when the loan amount is precisely $1,000,000 for FY2026?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-calculate-the-7-a-loan-guaranty-fee-when-the-loan-amount-is-precisely-1-0"},{"question":"When is the ongoing SBA servicing fee (annual service fee) for a 7(a) loan typically collected from the lender?","url":"https://dealroom.so/for-lenders/questions/when-is-the-ongoing-sba-servicing-fee-annual-service-fee-for-a-7-a-loan-typically-collecte"},{"question":"How do the upfront SBA guaranty fees differ for 7(a) loans between $150,001 and $700,000 for FY2026?","url":"https://dealroom.so/for-lenders/questions/how-do-the-upfront-sba-guaranty-fees-differ-for-7-a-loans-between-150-001-and-700-000-for-"},{"question":"How do the ongoing annual service fees for 7(a) loans impact the lender's accounting and remittance to SBA?","url":"https://dealroom.so/for-lenders/questions/how-do-the-ongoing-annual-service-fees-for-7-a-loans-impact-the-lender-s-accounting-and-re"}],"related_terms":[{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"Maximum SBA 7(a) Loan Amount","url":"https://dealroom.so/glossary/maximum-sba-7-a-loan-amount"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"},{"term":"Guaranty Percentage","url":"https://dealroom.so/glossary/guaranty-percentage"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-percentage-of-an-sba-7-a-loan-guaranty","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}