{"ok":true,"canonical_url":"https://dealroom.so/glossary/additional-guaranty-fee","api_url":"https://dealroom.so/api/public/glossary/additional-guaranty-fee","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"additional-guaranty-fee","term":"Additional guaranty fee","group":"The loan itself","definition":"This is an upfront fee charged by the SBA to guarantee a portion of your 7(a) loan, beyond the standard fees. It's often required for loans exceeding a certain size, increasing your total project costs.","what_it_means":"For larger SBA 7(a) loans, an additional guaranty fee applies, increasing the total upfront cost of your financing. This fee is typically rolled into your total project costs and financed as part of the loan, so it doesn't usually require an additional out-of-pocket payment at closing.","url":"https://dealroom.so/glossary/additional-guaranty-fee","official_sources":[{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"},{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"},{"slug":"upfront-guaranty-fee","term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"}],"related_questions":[{"question":"Is an additional SBA guaranty fee charged when a 7(a) loan amount is increased post-authorization?","url":"https://dealroom.so/for-lenders/questions/is-an-additional-sba-guaranty-fee-charged-when-a-7-a-loan-amount-is-increased-post-authori"},{"question":"Can the lender charge an additional \"packaging fee\" on top of the SBA fees?","url":"https://dealroom.so/sba-7a/questions/can-the-lender-charge-an-additional-packaging-fee-on-top-of-the-sba-fees"},{"question":"Is an additional guaranty fee required if a 7(a) loan amount is increased after the initial authorization?","url":"https://dealroom.so/for-lenders/questions/is-an-additional-guaranty-fee-required-if-a-7-a-loan-amount-is-increased-after-the-initial"},{"question":"Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?","url":"https://dealroom.so/sba-7a/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing"},{"question":"Can the lender charge application fees or underwriting fees in addition to the SBA guaranty fee?","url":"https://dealroom.so/sba-7a/questions/can-the-lender-charge-application-fees-or-underwriting-fees-in-addition-to-the-sba-guarant"},{"question":"Beyond the upfront guaranty fee, what other ongoing fees or charges are associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/beyond-the-upfront-guaranty-fee-what-other-ongoing-fees-or-charges-are-associated-with-an-"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Additional guaranty fee","url":"https://dealroom.so/glossary/additional-guaranty-fee","source_type":"DealRoom Data"}}