For SBA lenders
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.
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.
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.
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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