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The basic income guarantee (BIG) is a government insured guarantee that no citizen's income will fall below some minimal level for any reason. All citizens would receive a BIG without means test or work requirement.
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.