{"ok":true,"canonical_url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee","api_url":"https://dealroom.so/api/public/glossary/sba-upfront-guaranty-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-upfront-guaranty-fee","term":"SBA Upfront Guaranty Fee","aka":"Upfront guaranty fee","group":"The loan itself","definition":"This is a one-time fee charged by the SBA to guarantee a portion of your 7(a) loan, reducing risk for the lender. It's a key part of your total project costs, usually financed into the loan.","what_it_means":"The fee amount depends on the loan size and the guaranteed percentage. For a 7(a) loan, it's typically a percentage of the guaranteed portion, which is then passed on to you by the lender. You'll see this fee listed on your SBA Loan Authorization and it's factored into your overall funding.","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee","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":"sba-loan-authorization","term":"SBA Loan Authorization","url":"https://dealroom.so/glossary/sba-loan-authorization"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"}],"related_questions":[{"question":"Beyond the upfront guaranty fee, what other ongoing fees or charges are associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/beyond-the-upfront-guaranty-fee-what-other-ongoing-fees-or-charges-are-associated-with-an-"},{"question":"Are there any annual fees I must pay on an SBA 7(a) loan after the upfront guaranty fee?","url":"https://dealroom.so/sba-7a/questions/are-there-any-annual-fees-i-must-pay-on-an-sba-7-a-loan-after-the-upfront-guaranty-fee"},{"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":"How does the lender remit the upfront SBA guaranty fee to the SBA after loan closing?","url":"https://dealroom.so/for-lenders/questions/how-does-the-lender-remit-the-upfront-sba-guaranty-fee-to-the-sba-after-loan-closing"},{"question":"Beyond the guaranty fee, are there any other upfront fees charged by the lender that are specific to SBA 7(a) loans?","url":"https://dealroom.so/sba-7a/questions/beyond-the-guaranty-fee-are-there-any-other-upfront-fees-charged-by-the-lender-that-are-sp"}]},"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 Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee","source_type":"DealRoom Data"}}