{"ok":true,"canonical_url":"https://dealroom.so/glossary/annual-oversight-fee","api_url":"https://dealroom.so/api/public/glossary/annual-oversight-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":"annual-oversight-fee","term":"Annual oversight fee","group":"The loan itself","definition":"An annual fee paid to the SBA for their ongoing oversight of your loan. This is a small percentage of the outstanding guaranteed balance, added to your monthly payments.","what_it_means":"This fee, typically 0.55% of the outstanding guaranteed portion of your loan, is collected by your lender and remitted to the SBA. It's part of the total cost of your SBA loan, so factor it into your repayment capacity calculations.","url":"https://dealroom.so/glossary/annual-oversight-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":"ongoing-servicing-fee","term":"Ongoing servicing fee","url":"https://dealroom.so/glossary/ongoing-servicing-fee"},{"slug":"outstanding-guaranteed-balance","term":"Outstanding guaranteed balance","url":"https://dealroom.so/glossary/outstanding-guaranteed-balance"},{"slug":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"},{"slug":"repayment-capacity","term":"Repayment capacity","url":"https://dealroom.so/glossary/repayment-capacity"}],"related_questions":[{"question":"Are there annual servicing fees or other recurring charges beyond the SBA servicing fee?","url":"https://dealroom.so/sba-7a/questions/are-there-annual-servicing-fees-or-other-recurring-charges-beyond-the-sba-servicing-fee"},{"question":"Are there any annual fees I must pay on an SBA 7(a) loan after the upfront guaranty fee?","url":"https://dealroom.so/sba-7a/questions/are-there-any-annual-fees-i-must-pay-on-an-sba-7-a-loan-after-the-upfront-guaranty-fee"},{"question":"When is the annual service fee waived for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/when-is-the-annual-service-fee-waived-for-a-7-a-loan"},{"question":"What is the purpose of the annual service fee (on-going guaranty fee) for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-purpose-of-the-annual-service-fee-on-going-guaranty-fee-for-an-sba-7-a-loan"},{"question":"What is the process for a lender to remit the upfront guaranty fee and annual service fee to the SBA?","url":"https://dealroom.so/for-lenders/questions/what-is-the-process-for-a-lender-to-remit-the-upfront-guaranty-fee-and-annual-service-fee-"},{"question":"When is the ongoing SBA servicing fee (annual service fee) for a 7(a) loan typically collected from the lender?","url":"https://dealroom.so/for-lenders/questions/when-is-the-ongoing-sba-servicing-fee-annual-service-fee-for-a-7-a-loan-typically-collecte"}]},"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 — Annual oversight fee","url":"https://dealroom.so/glossary/annual-oversight-fee","source_type":"DealRoom Data"}}