SBA SOP 50 10 8, B.Ch1.B.2 — Maximum Guaranty Amounts and Percentages
Verbatim text of SBA SOP 50 10 8 section B.Ch1.B.2 (Maximum Guaranty Amounts and Percentages), effective 2025-06-01. 2 provision(s) quoted from the SOP PDF. SBA's own document page serves superseded editions, and the SOP is further amended by policy notices — read this with the notices that touch it.
Verbatim regulatory text
Verbatim provisions from SBA SOP 50 10 8, B.Ch1.B.2 — Maximum Guaranty Amounts and Percentages — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
SOP 50 10 8 B.Ch1.B.2
2. Maximum Guaranty Amounts and Percentages The maximum dollar amount outstanding of SBA’s guaranty to any one business and its affiliates must not exceed $3,750,000 (13 CFR § 121.151). SBA considers an EPC and an OC to be “one business” for this purpose. When calculating the maximum guaranty percentage available to a Borrower and its affiliates, the Lender must include the approved loan amount and any existing 7(a) or 504 loans, including revolving lines of credit. The SBA’s guaranty is also known as the “SBA share” or “guaranteed portion.” The maximum guaranty amount is $3,750,000. The maximum guaranty percentage is: i. 85% for loans of $150,000 or less
SOP 50 10 8 B.Ch1.B.2.i.ii
ii. 75% for loans over $150,000 Combination of 7(a) and 504 loans. i. When an Applicant applies for any combination of 7(a) and 504 loans, the order in which the loans are approved determines the maximum loan and guaranty amount available. Because the 7(a) loan has a lower maximum guaranteed amount, the 7(a) loan should be processed and approved first. ii. Lenders must advise the SBA processing centers that there is a companion 504 application to ensure the 7(a) loan is processed and approved prior to the 504 loan application being processed and approved. Maximum Guaranty Percentage for Multiple 7(a) Loans (13 CFR § 120.210). For multiple 7(a) loans approved within 90 days of each other, the gross dollar amounts of the loans are combined. If the combined gross amount exceeds $150,000, then the percentage of guaranty on the combined loans must not be more than 75 percent (subject to the $3,750,000 limit). For example, if a business receives an 85 percent guaranty on a loan of $140,000 and submits a second application for $50,000 within 90 days of the first loan’s approval, the percentage of guaranty on the second loan must be reduced to 47 percent so the combined guaranty is no more than $142,500, or 75 percent of the total amount of both loans ($190,000). Zero Percent Guaranty Cannot be Provided for Ineligible Purposes: A 7(a) loan cannot include proceeds for an ineligible purpose or have any portion of the loan made to an ineligible business and no part of an SBA 7(a) loan may be guaranteed at zero percent.
Operationalizing SBA SOP 50 10 8, B.Ch1.B.2 — Maximum Guaranty Amounts and Percentages
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