{"ok":true,"canonical_url":"https://dealroom.so/glossary/lender-fees","api_url":"https://dealroom.so/api/public/glossary/lender-fees","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":"lender-fees","term":"Lender fees","group":"The loan itself","definition":"Various charges imposed by the bank for processing, underwriting, and closing your SBA 7(a) loan. These are distinct from the SBA's guaranty fee.","what_it_means":"Lender fees often include packaging fees, processing fees, and lender closing costs. These are typically financed into the loan or paid out of your equity injection as part of the total project costs. Always get a clear breakdown of all lender fees early in the process via the Loan estimate.","url":"https://dealroom.so/glossary/lender-fees","official_sources":[{"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":"lender-administrative-fees","term":"Lender administrative fees","url":"https://dealroom.so/glossary/lender-administrative-fees"},{"slug":"packaging-fee","term":"Packaging fee","url":"https://dealroom.so/glossary/packaging-fee"},{"slug":"lender-closing-costs","term":"Lender closing costs","url":"https://dealroom.so/glossary/lender-closing-costs"},{"slug":"loan-estimate","term":"Loan estimate","url":"https://dealroom.so/glossary/loan-estimate"}],"related_questions":[{"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":"Can a lender include unapproved legal fees in a Universal Purchase Package (UPP)?","url":"https://dealroom.so/for-lenders/questions/can-a-lender-include-unapproved-legal-fees-in-a-universal-purchase-package-upp"},{"question":"Can I negotiate the interest rate or fees with my SBA 7(a) lender?","url":"https://dealroom.so/sba-7a/questions/can-i-negotiate-the-interest-rate-or-fees-with-my-sba-7-a-lender"},{"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":"What are the typical government and lender fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-government-and-lender-fees-associated-with-an-sba-7-a-loan"},{"question":"Does the SBA itself charge any direct fees to the borrower, or just the lender?","url":"https://dealroom.so/sba-7a/questions/does-the-sba-itself-charge-any-direct-fees-to-the-borrower-or-just-the-lender"}]},"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 — Lender fees","url":"https://dealroom.so/glossary/lender-fees","source_type":"DealRoom Data"}}