{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-percentage-of-the-loan-does-the-sba-actually-guarantee-to-the-bank","api_url":"https://dealroom.so/api/public/questions/what-percentage-of-the-loan-does-the-sba-actually-guarantee-to-the-bank","question":"What percentage of the loan does the SBA actually guarantee to the bank?","topic":"Guaranty Percentage","audience":"new","bot_mode":"buyer","short_answer":"The SBA guarantees 85% for loans up to $150,000 and 75% for loans exceeding $150,000. However, the maximum guaranteed amount is $3.75 million for loans up to $5 million.","rule":"The SBA's guaranty percentage depends on the loan amount. For smaller loans (up to $150,000), the guaranty is 85%. For larger loans (over $150,000 up to $5 million), the guaranty is 75%. This tiered structure encourages lenders to make smaller loans to a wider range of businesses.","example":"A borrower secures a $100,000 SBA 7(a) loan; the SBA guarantees $85,000 (85%). If another borrower gets a $1,000,000 loan, the SBA guarantees $750,000 (75%).","what_lenders_check":"Lenders must correctly calculate and track the guaranteed portion, as this directly impacts their risk exposure. They also ensure the loan adheres to all SBA guidelines to maintain the validity of the guaranty.","required_facts":["85% for < $150K","75% for > $150K","$3.75M max guaranty","Tiered structure","Lender risk mitigation"],"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":"Guaranty Percentage","url":"https://dealroom.so/glossary/guaranty-percentage"},{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"Cancellation of the SBA guaranty","url":"https://dealroom.so/glossary/cancellation-of-the-sba-guaranty"},{"term":"SBA loan guarantee","url":"https://dealroom.so/glossary/sba-loan-guarantee"},{"term":"Repair of the guarantee","url":"https://dealroom.so/glossary/repair-of-the-guarantee"},{"term":"SBA Loan Guaranty","url":"https://dealroom.so/glossary/sba-loan-guaranty"}],"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/sba-loans/basics/what-percentage-of-the-loan-does-the-sba-actually-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."]}