{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-specific-data-points-beyond-the-loan-amount-are-most-critical-for-matching-the-final-","api_url":"https://dealroom.so/api/public/questions/what-specific-data-points-beyond-the-loan-amount-are-most-critical-for-matching-the-final-","question":"What specific data points, beyond the loan amount, are most critical for matching the final executed loan documents to ensure guaranty validity?","topic":"E-Tran & Authorization","audience":"lender","bot_mode":"lender","short_answer":"Critical data points include the borrower's legal name, principal(s) names, loan term, interest rate (base rate and spread), disbursement dates, and collateral description, all of which must match precisely.","rule":"The SBA Loan Authorization, generated from E-Tran, is the governing document for the SBA's guaranty. Any material discrepancy between the Authorization and the executed loan documents (e.g., promissory note, security agreement) concerning key terms can lead to a guaranty repair or denial during a purchase review.","example":"A lender's E-Tran submission specifies a 10-year loan term at Prime + 2.75%. If the executed promissory note reflects an 8-year term or a rate of Prime + 3.00%, this inconsistency is critical and could jeopardize the SBA guaranty.","what_lenders_check":"Lenders must meticulously cross-verify all critical data points between the E-Tran submission, the Authorization, and the final loan documents. Mismatches, even seemingly minor ones, can be costly during guaranty purchase.","required_facts":["E-Tran data","Executed documents","Loan term","Interest rate","Collateral description","Guaranty validity"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","Universal Purchase Package (UPP)"],"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"Universal Purchase Package (UPP)","url":"https://www.sba.gov/sites/default/files/2026-05/UPPv5.2.pdf"}],"related_questions":[{"question":"What are the consequences if the NAICS code entered into E-Tran differs from the primary business activity in the loan narrative?","url":"https://dealroom.so/for-lenders/questions/what-are-the-consequences-if-the-naics-code-entered-into-e-tran-differs-from-the-primary-b"},{"question":"How does a lender correct a material error in E-Tran after the 7(a) loan has received an SBA authorization?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-correct-a-material-error-in-e-tran-after-the-7-a-loan-has-received-an-sb"},{"question":"What specific data fields on SBA Form 1919 are critical for consistency with E-Tran for a 7(a) application?","url":"https://dealroom.so/for-lenders/questions/what-specific-data-fields-on-sba-form-1919-are-critical-for-consistency-with-e-tran-for-a-"},{"question":"What documentation is required to amend a 7(a) loan authorization for a change in project costs?","url":"https://dealroom.so/for-lenders/questions/what-documentation-is-required-to-amend-a-7-a-loan-authorization-for-a-change-in-project-c"},{"question":"When must a lender obtain an E-Tran modification for changes to a 7(a) loan's terms?","url":"https://dealroom.so/for-lenders/questions/when-must-a-lender-obtain-an-e-tran-modification-for-changes-to-a-7-a-loan-s-terms"},{"question":"What is the primary purpose of the E-Tran system for a 7(a) lender, beyond loan application submission?","url":"https://dealroom.so/for-lenders/questions/what-is-the-primary-purpose-of-the-e-tran-system-for-a-7-a-lender-beyond-loan-application-"}],"related_terms":[{"term":"Loan Amount","url":"https://dealroom.so/glossary/loan-amount"},{"term":"Final Disbursement","url":"https://dealroom.so/glossary/final-disbursement"},{"term":"Authorized Loan Amount","url":"https://dealroom.so/glossary/authorized-loan-amount"},{"term":"Aggregate Loan Amount","url":"https://dealroom.so/glossary/aggregate-loan-amount"},{"term":"Specific Lien","url":"https://dealroom.so/glossary/specific-lien"},{"term":"Assuming the loan","url":"https://dealroom.so/glossary/assuming-the-loan"}],"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-specific-data-points-beyond-the-loan-amount-are-most-critical-for-matching-the-final-","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."]}