{"ok":true,"canonical_url":"https://dealroom.so/glossary/lender-packaging-fee","api_url":"https://dealroom.so/api/public/glossary/lender-packaging-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":"lender-packaging-fee","term":"Lender packaging fee","group":"The loan itself","definition":"A fee charged by some lenders or loan packagers for assisting with the SBA loan application and documentation. This is part of your total closing costs, adding to your overall deal expenses.","what_it_means":"Some lenders, or third-party packagers working with lenders, may charge a fee for preparing the detailed SBA loan application and collateral analysis. The SBA regulates the maximum amount of this fee. Ask your lender upfront if they charge a packaging fee and ensure it's within the SBA's guidelines, as it affects your out-of-pocket costs.","url":"https://dealroom.so/glossary/lender-packaging-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":"lender-closing-costs","term":"Lender closing costs","url":"https://dealroom.so/glossary/lender-closing-costs"},{"slug":"closing-cost","term":"Closing cost","url":"https://dealroom.so/glossary/closing-cost"},{"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"}],"related_questions":[{"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":"Can I negotiate the lender's origination or packaging fee for my SBA 7(a) business acquisition loan?","url":"https://dealroom.so/sba-7a/questions/can-i-negotiate-the-lender-s-origination-or-packaging-fee-for-my-sba-7-a-business-acquisit"},{"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":"What are \"packaging fees\" and can they be included in an SBA 7(a) acquisition loan?","url":"https://dealroom.so/sba-7a/questions/what-are-packaging-fees-and-can-they-be-included-in-an-sba-7-a-acquisition-loan"},{"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":"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-"}]},"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 packaging fee","url":"https://dealroom.so/glossary/lender-packaging-fee","source_type":"DealRoom Data"}}