For SBA lenders
Short answer
The Universal Purchase Package (UPP) requires comprehensive documentation, including the loan authorization, promissory note, guaranty agreements, evidence of collateral perfection, servicing records, and liquidation documentation.
The UPP is the standard package for requesting SBA to honor its guaranty. Key documents include the original loan authorization, promissory note, all personal and corporate guaranties, evidence of lien perfection (UCCs, deeds of trust), a complete servicing history, and detailed records of all liquidation efforts and expenses. SBA Form 1149 (Lender's Transcript of Account) is also highly recommended.
For a guaranty purchase request, the lender submits a UPP containing: the signed loan authorization, original promissory note, all 413s and 148s, UCC filing records, a payment history log, liquidation expense invoices, and a detailed liquidation narrative.
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
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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