{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-percentage-of-my-sba-7-a-loan-does-the-government-guarantee-to-the-bank","api_url":"https://dealroom.so/api/public/questions/what-percentage-of-my-sba-7-a-loan-does-the-government-guarantee-to-the-bank","question":"What percentage of my SBA 7(a) loan does the government guarantee to the bank?","topic":"Guaranty & SBA Role","audience":"new","bot_mode":"buyer","short_answer":"The SBA typically guarantees between 75% and 85% of the loan amount to the lender, depending on the loan size.","rule":"For loans up to $150,000, the SBA guarantees 85%. For loans over $150,000 up to the maximum of $5 million, the guaranty is typically 75%. This percentage applies to the lender, not the borrower.","example":"A $100,000 loan would have an 85% SBA guaranty, meaning the SBA would pay the lender $85,000 if the borrower defaults. A $500,000 loan would have a 75% guaranty, meaning $375,000.","what_lenders_check":"Lenders rely on the guaranty but understand it doesn't cover 100% of the loan. They still perform robust underwriting to minimize their unguaranteed exposure and ensure eligibility for the guaranty.","required_facts":["Guaranty percentage","Loan size","Lender protection","Default coverage"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Loan Program Terms, Conditions, and Eligibility","SBA 7(a) Loans Overview"],"official_sources":[{"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) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"},{"title":"SBA 7(a) Loans Overview","url":"https://www.sba.gov/funding-programs/loans/7a-loans"}],"related_questions":[],"related_terms":[{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"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":"Government Guarantee","url":"https://dealroom.so/glossary/government-guarantee"},{"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":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-loans/basics/what-percentage-of-my-sba-7-a-loan-does-the-government-guarantee-to-the-bank","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."]}