{"ok":true,"canonical_url":"https://dealroom.so/glossary/fee-rate","api_url":"https://dealroom.so/api/public/glossary/fee-rate","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":"fee-rate","term":"Fee rate","group":"The loan itself","definition":"This is the percentage used to calculate various fees associated with your SBA 7(a) loan, such as the upfront guaranty fee. It directly impacts your total project costs.","what_it_means":"The SBA charges an upfront guaranty fee to the lender, which is typically passed on to you, the borrower. This fee rate varies based on the loan amount and loan term, and it can be financed as part of your total project costs. Factor this into your deal budget.","url":"https://dealroom.so/glossary/fee-rate","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"}],"related":[{"slug":"upfront-guaranty-fee","term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"},{"slug":"guaranty","term":"Guaranty","url":"https://dealroom.so/glossary/guaranty"}],"related_questions":[{"question":"How does the ongoing servicing fee affect the annual percentage rate (APR) calculation for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-the-ongoing-servicing-fee-affect-the-annual-percentage-rate-apr-calculation-for-a"},{"question":"What alternative base rates are available for variable-rate 7(a) loans besides the Wall Street Journal Prime rate?","url":"https://dealroom.so/for-lenders/questions/what-alternative-base-rates-are-available-for-variable-rate-7-a-loans-besides-the-wall-str"},{"question":"What are the current fiscal year 2026 upfront guaranty fee rates for 7(a) loans?","url":"https://dealroom.so/for-lenders/questions/what-are-the-current-fiscal-year-2026-upfront-guaranty-fee-rates-for-7-a-loans"},{"question":"What is the 'Prime Rate' when talking about SBA 7(a) loan rates?","url":"https://dealroom.so/sba-loans/basics/what-is-the-prime-rate-when-talking-about-sba-7-a-loan-rates"},{"question":"What specific alternative base rates are permissible for variable rate 7(a) loans?","url":"https://dealroom.so/for-lenders/questions/what-specific-alternative-base-rates-are-permissible-for-variable-rate-7-a-loans"},{"question":"What is the Wall Street Journal Prime Rate's role in SBA 7(a) loan interest rates?","url":"https://dealroom.so/sba-loans/basics/what-is-the-wall-street-journal-prime-rate-s-role-in-sba-7-a-loan-interest-rates"}]},"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 — Fee rate","url":"https://dealroom.so/glossary/fee-rate","source_type":"DealRoom Data"}}