{"ok":true,"canonical_url":"https://dealroom.so/glossary/sba-servicing-fee","api_url":"https://dealroom.so/api/public/glossary/sba-servicing-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":"sba-servicing-fee","term":"SBA Servicing Fee","group":"The loan itself","definition":"This is an annual fee paid by the lender to the SBA for the privilege of making an SBA-guaranteed loan. The lender passes this cost on to you, the borrower.","what_it_means":"It's typically a percentage of the outstanding guaranteed portion of your loan. This fee is factored into your total loan cost, often built into your interest rate or charged separately. Understand how your lender presents this fee, as it impacts your effective interest rate.","url":"https://dealroom.so/glossary/sba-servicing-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"}],"related":[{"slug":"ongoing-servicing-fee","term":"Ongoing servicing fee","url":"https://dealroom.so/glossary/ongoing-servicing-fee"},{"slug":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"slug":"variable-rate","term":"Variable rate","url":"https://dealroom.so/glossary/variable-rate"}],"related_questions":[{"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":"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":"How is the ongoing servicing fee calculated and remitted to the SBA?","url":"https://dealroom.so/for-lenders/questions/how-is-the-ongoing-servicing-fee-calculated-and-remitted-to-the-sba"},{"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"},{"question":"How does the ongoing servicing fee affect the annual percentage rate (APR) calculation for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-the-ongoing-servicing-fee-affect-the-annual-percentage-rate-apr-calculation-for-a"}]},"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 Servicing Fee","url":"https://dealroom.so/glossary/sba-servicing-fee","source_type":"DealRoom Data"}}