{"ok":true,"canonical_url":"https://dealroom.so/glossary/packaging-fees","api_url":"https://dealroom.so/api/public/glossary/packaging-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":"packaging-fees","term":"Packaging Fees","group":"Doing the deal","definition":"These are fees charged by a loan packager or broker to help you prepare and submit your SBA loan application. Buyers care because these are part of your total closing costs and can impact your out-of-pocket expenses.","what_it_means":"Packaging fees are an allowable expense that can be financed into your SBA 7(a) loan, up to a certain limit set by the SBA. Make sure you understand what services are included and compare costs, as they vary. Confirm the fee is reasonable and disclosed upfront.","url":"https://dealroom.so/glossary/packaging-fees","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":"legal-fee","term":"Legal fee","url":"https://dealroom.so/glossary/legal-fee"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"},{"slug":"origination","term":"Origination","url":"https://dealroom.so/glossary/origination"}],"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":"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 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":"Besides upfront fees, are there ongoing annual fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/besides-upfront-fees-are-there-ongoing-annual-fees-for-an-sba-7-a-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":"Can professional fees incurred during the due diligence phase, like attorney or accountant fees, count towards my equity injection?","url":"https://dealroom.so/sba-7a/questions/can-professional-fees-incurred-during-the-due-diligence-phase-like-attorney-or-accountant-"}]},"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 — Packaging Fees","url":"https://dealroom.so/glossary/packaging-fees","source_type":"DealRoom Data"}}