{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-specific-lender-certifications-are-required-on-the-lender-s-application-for-guaranty-","api_url":"https://dealroom.so/api/public/questions/what-specific-lender-certifications-are-required-on-the-lender-s-application-for-guaranty-","question":"What specific lender certifications are required on the Lender's Application for Guaranty (SBA Form 1920, or its current equivalent in E-Tran)?","topic":"Required forms","audience":"lender","bot_mode":"lender","short_answer":"Lenders certify to prudent lending, verifying eligibility, compliance with SBA rules, and the accuracy of submitted information, ensuring they have exercised due diligence.","rule":"While SBA Form 1920 is retired, the certifications it embodied are now integrated into the E-Tran submission process. Lenders must certify that they have applied prudent lending standards, verified borrower eligibility, complied with all SBA regulations, and that all information submitted is true and accurate. These certifications are fundamental to maintaining the SBA guaranty.","example":"When submitting an application through E-Tran, the loan officer digitally certifies that they have reviewed all documents, confirmed the borrower's eligibility, and conducted appropriate due diligence according to SOP 50 10.","what_lenders_check":"False or inaccurate lender certifications can result in severe penalties, including guaranty denial, suspension from SBA programs, or even civil/criminal charges. Lenders must have robust internal controls to ensure compliance.","required_facts":["Prudent lending","Eligibility verification","SBA rule compliance","Information accuracy","Due diligence"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","SBA Form 1920 - Lender's Application for Guaranty (Retired Reference)"],"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":"SBA Form 1920 - Lender's Application for Guaranty (Retired Reference)","url":"https://www.sba.gov/sites/default/files/2020-11/sba-form-1920.pdf"}],"related_questions":[{"question":"Which additional SBA forms are universally required for all 7(a) loan applications, beyond the borrower information form?","url":"https://dealroom.so/for-lenders/questions/which-additional-sba-forms-are-universally-required-for-all-7-a-loan-applications-beyond-t"},{"question":"What specific certifications on SBA Form 1919 are critical for an applicant's eligibility, and how does a lender verify them?","url":"https://dealroom.so/for-lenders/questions/what-specific-certifications-on-sba-form-1919-are-critical-for-an-applicant-s-eligibility-"},{"question":"Is SBA Form 1920 (Lender's Application for Guaranty) still required for 7(a) loan submissions?","url":"https://dealroom.so/for-lenders/questions/is-sba-form-1920-lender-s-application-for-guaranty-still-required-for-7-a-loan-submissions"},{"question":"What is the primary purpose of SBA Form 1919 for eligibility?","url":"https://dealroom.so/for-lenders/questions/what-is-the-primary-purpose-of-sba-form-1919-for-eligibility"},{"question":"Beyond Form 1919, which other SBA forms are strictly mandatory for all 7(a) loan applications, regardless of loan size?","url":"https://dealroom.so/for-lenders/questions/beyond-form-1919-which-other-sba-forms-are-strictly-mandatory-for-all-7-a-loan-application"},{"question":"Which specific eligibility certifications are collected on SBA Form 1919 that are crucial for a 7(a) loan application and must be verified by the lender?","url":"https://dealroom.so/for-lenders/questions/which-specific-eligibility-certifications-are-collected-on-sba-form-1919-that-are-crucial-"}],"related_terms":[{"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":"Call on the guaranty","url":"https://dealroom.so/glossary/call-on-the-guaranty"},{"term":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"Claim on the SBA Guarantee","url":"https://dealroom.so/glossary/claim-on-the-sba-guarantee"},{"term":"Certifications","url":"https://dealroom.so/glossary/certifications"}],"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-lender-certifications-are-required-on-the-lender-s-application-for-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."]}