Glossary · The loan itself
In short
This is the commitment from the SBA to a lender to repay a portion of your loan if you default. It reduces the lender's risk, making it easier for them to approve your business acquisition.
The SBA guaranty is typically 75-90% of the loan amount, depending on the loan size. While it protects the lender, it doesn't absolve you of your responsibility. You are still fully liable, often with a personal guarantee and collateral.
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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