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SBA Loan Guarantor — Financely

SBA Loan Guarantor

We structure. We underwrite. We place capital.

Terms

  • Scope: Supplemental or substitute SBA guarantees; unlimited or limited coverage; Standby Letter of Credit support; SBA Forms 148 and 148L compliant.
  • Coverage: Guarantee aligned with collateral strength and borrower credit to support approval alongside SBA’s own coverage.
  • Eligibility: SBA 7(a) fit; revenue ≥ $500,000; strong credit; credible plan and projections.
  • Collateral: Business assets; owner guarantees; other SBA-approved collateral as required by lender.
  • Documentation: Financials, ownership, use of proceeds, KYC, and lender package components.

Fees

  • Upfront:$32,500 per $1,000,000 guaranteed (billed at agreement; minimum $1,000,000; charged in $1,000,000 increments).
  • Annual Maintenance: 0.35% of the guaranteed amount per year (billed in advance each year).
  • Custom Packages: Structured on request based on risk, tenor, and collateral quality.
  • Exclusions: Bank charges, taxes, third-party reports, and lender costs are separate.

Process (4 Steps)

  1. Open File: Submit request to initiate the guarantee.
  2. Submit Data: Provide application, financials, ownership, and use of proceeds.
  3. Underwrite & Execute: Risk review, terms, and execution of the guarantor agreement.
  4. Submit & Fund: Package to SBA lender with guarantee; approval, funding, guarantee activates.

Worked Example (10,000,000 USD, 7 Years)

Definitions. Let G be the guaranteed amount (USD), T the term (years), and φ the annual maintenance rate.

Given:  G = 10,000,000      T = 7      φ = 0.35% = 0.0035
Upfront fee:        U = 32,500 × ⌈ G / 10^6 ⌉
                   U = 32,500 × ⌈ 10,000,000 / 1,000,000 ⌉ = 32,500 × 10 = 325,000
Annual fee:         A = φ × G = 0.0035 × 10,000,000 = 35,000 per year
Total (undiscounted):  C = U + T × A = 325,000 + 7 × 35,000 = 570,000 USD

Optional present value with discount rate r: PV = U + A × (1 − (1 + r)^{−T}) / r. Figures exclude bank charges, taxes, and third-party costs and assume a constant guarantee amount without early termination.

Premier SBA Loan Specialists

Since 2018, Financely has worked alongside SBA lenders and borrowers to structure third party guarantees that support loan approval. We do not issue SBA loans and we are not the lender of record. Our role is to underwrite the business, provide an SBA compatible guarantor commitment (often supported by a Standby Letter of Credit or standby capital) and negotiate clear economics for the guarantor. In return for standing behind the facility, the guarantor becomes a stakeholder in the business, typically through a defined profit share, preferred return, or minority equity interest. From first review to closing, we coordinate with you and your lender to decide if a guarantor structure is realistic, correctly priced, and compliant with SBA requirements.

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