For SBA lenders
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.
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.
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.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
SBA Form 1920 - Lender's Application for Guaranty (Retired Reference)
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.
More on required forms
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