{"ok":true,"canonical_url":"https://dealroom.so/glossary/upfront-guaranty-fee","api_url":"https://dealroom.so/api/public/glossary/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":"upfront-guaranty-fee","term":"Upfront Guaranty Fee","group":"The loan itself","definition":"This is a one-time fee charged by the SBA at the beginning of your loan, calculated as a percentage of the guaranteed portion of the loan. It helps fund the SBA program.","what_it_means":"This fee is a non-negotiable cost of getting an SBA loan and is typically financed into your total loan amount. It's an important part of your total project costs, so account for it when calculating your required equity injection and overall deal structure.","url":"https://dealroom.so/glossary/upfront-guaranty-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":"guaranty-fee","term":"Guaranty fee","url":"https://dealroom.so/glossary/guaranty-fee"},{"slug":"sba-guaranty","term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"},{"slug":"total-project-costs","term":"Total project costs","url":"https://dealroom.so/glossary/total-project-costs"},{"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":"What are the current fiscal year 2026 upfront guaranty fee rates for 7(a) loans?","url":"https://dealroom.so/for-lenders/questions/what-are-the-current-fiscal-year-2026-upfront-guaranty-fee-rates-for-7-a-loans"},{"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 — Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee","source_type":"DealRoom Data"}}