{"ok":true,"canonical_url":"https://dealroom.so/glossary/sba-fee-schedule","api_url":"https://dealroom.so/api/public/glossary/sba-fee-schedule","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":"sba-fee-schedule","term":"SBA Fee Schedule","aka":"Upfront guaranty fee","group":"The loan itself","definition":"The set of fees the SBA charges lenders for their guarantee, which lenders typically pass on to you as the borrower. These fees vary based on the loan amount and maturity.","what_it_means":"You'll pay an upfront guaranty fee that's a percentage of the guaranteed portion of your loan. This fee is a significant part of your total project costs and can often be financed into the loan itself, so factor it into your capital stack.","url":"https://dealroom.so/glossary/sba-fee-schedule","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"},{"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":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"},{"slug":"lender-closing-costs","term":"Lender closing costs","url":"https://dealroom.so/glossary/lender-closing-costs"},{"slug":"use-of-proceeds","term":"Use of proceeds","url":"https://dealroom.so/glossary/use-of-proceeds"}],"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":"What is the purpose of the annual service fee (on-going guaranty fee) for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-purpose-of-the-annual-service-fee-on-going-guaranty-fee-for-an-sba-7-a-loan"},{"question":"What is the typical range for the SBA 7(a) loan processing fee (upfront guaranty fee) for an acquisition loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-typical-range-for-the-sba-7-a-loan-processing-fee-upfront-guaranty-fee-for-an-"},{"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-"},{"question":"When is the ongoing SBA servicing fee (annual service fee) for a 7(a) loan typically collected from the lender?","url":"https://dealroom.so/for-lenders/questions/when-is-the-ongoing-sba-servicing-fee-annual-service-fee-for-a-7-a-loan-typically-collecte"},{"question":"How does a lender calculate the ongoing servicing fee (annual service fee) due to the SBA for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-calculate-the-ongoing-servicing-fee-annual-service-fee-due-to-the-sba-fo"}]},"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 — SBA Fee Schedule","url":"https://dealroom.so/glossary/sba-fee-schedule","source_type":"DealRoom Data"}}