-------------------------------------------------------    An IQ score of 140 is considered Genius, so 160 is definitely in  the genius range. 140 is the lowest score in the Genius IQ range.  The highest IQ measured under the current testing is 210.
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They charge a fee for this service. Guarantee fees are based on the loanâs maturity and the dollar amount guaranteed (instead of the total loan amount, since the SBA doesnât guarantee 100% of your SBA loan). The SBA can guarantee as much as 85% on loans up to $150,000 and 75% on loans of more than $150,000. But the SBA sets its maximum guarantee exposure amount at $3.75 million. If you do this math on your SBA loan calculator, youâll find that this means that if you qualify for the maximum 7(a) amount ($5 million), the maximum guarantee on the loan will be 75%. The guarantee fee charged on SBA loans is actually fronted by the bank lenderâunless the bank chooses to pass on that expense to you, the borrower, upon loan closing.