{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-specific-documentation-must-a-lender-include-in-a-universal-purchase-package-upp-for-","api_url":"https://dealroom.so/api/public/questions/what-specific-documentation-must-a-lender-include-in-a-universal-purchase-package-upp-for-","question":"What specific documentation must a lender include in a Universal Purchase Package (UPP) for a guaranty purchase?","topic":"Guaranty Purchase","audience":"lender","bot_mode":"lender","short_answer":"The Universal Purchase Package (UPP) requires comprehensive documentation, including the loan authorization, promissory note, guaranty agreements, transcript of account, evidence of collateral, liquidation expense summaries, and a detailed lender's certificate.","rule":"The UPP is the standardized package lenders submit to the SBA when requesting the SBA honor its guaranty. It must contain all documents necessary for the SBA to verify the validity of the guaranty, confirm the lender's prudent liquidation efforts, and calculate the purchase amount. Specific requirements are detailed in SBA policy.","example":"For a guaranty purchase, a lender prepares the UPP, including the original loan authorization from E-Tran, the executed promissory note, personal and corporate guarantees, a Form 1149 Transcript of Account, UCC filings, appraisals, and a detailed narrative outlining liquidation steps and expenses.","what_lenders_check":"Incomplete or inaccurate UPP submissions are the primary cause of delays, repairs, or denials of guaranty purchase requests. Lenders must meticulously organize and verify all required documentation to ensure a swift and successful purchase.","required_facts":["Loan authorization","Promissory note","Guaranty agreements","Transcript of account","Collateral evidence","Liquidation expenses"],"source_families":["Universal Purchase Package (UPP)","Request to Honor SBA 7(a) Loan Guaranty","SBA Form 1149 - Lender's Transcript of Account","SOP 50 57 - 7(a) Loan Servicing and Liquidation"],"official_sources":[{"title":"Universal Purchase Package (UPP)","url":"https://www.sba.gov/sites/default/files/2026-05/UPPv5.2.pdf"},{"title":"Request to Honor SBA 7(a) Loan Guaranty","url":"https://www.sba.gov/sites/default/files/2026-01/Request%20to%20Honor%20SBA%207a%20Loan%20Guaranty.pdf"},{"title":"SBA Form 1149 - Lender's Transcript of Account","url":"https://www.sba.gov/sites/default/files/2025-05/SBA%20Form%201149.pdf"},{"title":"SOP 50 57 - 7(a) Loan Servicing and Liquidation","url":"https://www.sba.gov/sites/default/files/2025-09/FINAL%20SOP%205057%204%20version.pdf"}],"related_questions":[{"question":"How does the SBA verify a lender's liquidation expenses submitted with a Universal Purchase Package (UPP)?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-verify-a-lender-s-liquidation-expenses-submitted-with-a-universal-purchas"},{"question":"What is the primary purpose of SBA Form 1149 in the guaranty purchase process for a liquidated 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-is-the-primary-purpose-of-sba-form-1149-in-the-guaranty-purchase-process-for-a-liquid"},{"question":"What specific documentation is required for a lender to request a guaranty purchase using the Universal Purchase Package (UPP)?","url":"https://dealroom.so/for-lenders/questions/what-specific-documentation-is-required-for-a-lender-to-request-a-guaranty-purchase-using-"}],"related_terms":[{"term":"Universal Purchase Package","url":"https://dealroom.so/glossary/universal-purchase-package"},{"term":"Guaranty Purchase","url":"https://dealroom.so/glossary/guaranty-purchase"},{"term":"Lender's Application for Guaranty","url":"https://dealroom.so/glossary/lender-s-application-for-guaranty"},{"term":"Application for Guaranty","url":"https://dealroom.so/glossary/application-for-guaranty"},{"term":"Guaranty purchase claim","url":"https://dealroom.so/glossary/guaranty-purchase-claim"},{"term":"Guaranty Purchase Review","url":"https://dealroom.so/glossary/guaranty-purchase-review"}],"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-documentation-must-a-lender-include-in-a-universal-purchase-package-upp-for-","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."]}