Glossary · The loan itself
In short
This is the percentage of your SBA 7(a) loan that the SBA promises to repay the lender if you default. It reduces the lender's risk, making them more willing to lend.
For most 7(a) loans up to $5 million, the SBA guarantees 75% of the loan. This guarantee doesn't protect you, the borrower; it protects the lender. You are still 100% responsible for repayment.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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