For SBA lenders
Short answer
After a loan defaults and liquidation actions are initiated, the lender prepares and submits the Universal Purchase Package (UPP) to the SBA, formally requesting the SBA honor its guaranty.
The process for requesting guaranty purchase involves compiling all necessary documentation, including the loan agreement, authorization, evidence of default, servicing history, liquidation efforts, and a final loss calculation. The UPP must clearly demonstrate that the lender complied with SBA program requirements.
Following a loan default and the sale of collateral generating a partial recovery, the lender calculates the remaining loss. They then assemble the complete UPP and submit it electronically to the SBA's servicing center for review and processing of the guaranty purchase request.
Universal Purchase Package (UPP)
Request to Honor SBA 7(a) Loan Guaranty
SOP 50 57 - 7(a) Loan Servicing and Liquidation
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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