{"ok":true,"canonical_url":"https://dealroom.so/glossary/guarantee-fee","api_url":"https://dealroom.so/api/public/glossary/guarantee-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":"guarantee-fee","term":"Guarantee Fee","group":"The loan itself","definition":"This is an upfront fee charged by the SBA to the lender, which is then passed on to you, the borrower, for the privilege of receiving an SBA loan. It helps cover the cost of the SBA's guarantee.","what_it_means":"The guarantee fee is calculated as a percentage of the guaranteed portion of your loan. It's paid at closing and is typically financed into the loan, increasing your total project costs. You need to account for this in your deal structure.","url":"https://dealroom.so/glossary/guarantee-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":"sba-loan-authorization","term":"SBA Loan Authorization","url":"https://dealroom.so/glossary/sba-loan-authorization"},{"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":"sba-program-requirements","term":"SBA Program Requirements","url":"https://dealroom.so/glossary/sba-program-requirements"}],"related_questions":[{"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":"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":"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":"Are there any upfront or annual fees charged by the SBA for their guarantee?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-or-annual-fees-charged-by-the-sba-for-their-guarantee"},{"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 — Guarantee Fee","url":"https://dealroom.so/glossary/guarantee-fee","source_type":"DealRoom Data"}}