{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/are-there-annual-servicing-fees-or-other-recurring-charges-beyond-the-sba-servicing-fee","api_url":"https://dealroom.so/api/public/questions/are-there-annual-servicing-fees-or-other-recurring-charges-beyond-the-sba-servicing-fee","question":"Are there annual servicing fees or other recurring charges beyond the SBA servicing fee?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"No, beyond the ongoing SBA servicing fee, there should not be additional annual servicing fees or recurring charges imposed on the borrower by the lender for an SBA 7(a) loan.","rule":"The SBA sets limits on fees that can be charged to borrowers. The primary ongoing fee is the annual service fee paid to the SBA, calculated on the guaranteed portion of the outstanding loan balance. Lenders are compensated for their servicing through the interest rate charged on the loan. Any additional recurring 'servicing fees' charged by the lender would generally be considered impermissible and could jeopardize the SBA guaranty.","example":"A borrower receives an SBA 7(a) loan with a variable interest rate and pays the annual SBA servicing fee. If the lender tries to add a separate '$500 annual loan maintenance fee,' this would be an unauthorized charge.","what_lenders_check":"Lenders are prohibited from imposing unauthorized recurring fees. The SBA carefully monitors fees to protect small business borrowers and ensure program integrity. Lenders must disclose all fees upfront, and any unapproved recurring charges could lead to enforcement actions.","required_facts":["SBA servicing fee","Prohibited recurring fees","Lender compensation","Fee transparency"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans"],"official_sources":[{"title":"7(a) Fees Effective During Fiscal Year 2026","url":"https://www.sba.gov/sites/default/files/2025-08/Info%20Notice%20-%207%28a%29%20Fees%20FY%202026%20%28FINAL%208-28-25%29.pdf"},{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[{"question":"Besides the interest rate, what upfront fees will I pay for a $1 million SBA 7(a) loan at closing?","url":"https://dealroom.so/sba-7a/questions/besides-the-interest-rate-what-upfront-fees-will-i-pay-for-a-1-million-sba-7-a-loan-at-clo"},{"question":"How are the ongoing servicing fees for an SBA 7(a) loan calculated and paid?","url":"https://dealroom.so/sba-7a/questions/how-are-the-ongoing-servicing-fees-for-an-sba-7-a-loan-calculated-and-paid"},{"question":"What are the typical interest rates for an SBA 7(a) loan, and are they fixed or variable?","url":"https://dealroom.so/sba-7a/questions/what-are-the-typical-interest-rates-for-an-sba-7-a-loan-and-are-they-fixed-or-variable"},{"question":"What is the \"SBA guaranty fee\" I pay on an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-sba-guaranty-fee-i-pay-on-an-sba-7-a-loan"},{"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":"Can the lender charge their own separate processing or origination fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/can-the-lender-charge-their-own-separate-processing-or-origination-fees-for-an-sba-7-a-loa"}],"related_terms":[{"term":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"SBA Servicing Fee","url":"https://dealroom.so/glossary/sba-servicing-fee"},{"term":"Servicing fee","url":"https://dealroom.so/glossary/servicing-fee"},{"term":"Annual oversight fee","url":"https://dealroom.so/glossary/annual-oversight-fee"},{"term":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"},{"term":"Fee rate","url":"https://dealroom.so/glossary/fee-rate"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-7a/questions/are-there-annual-servicing-fees-or-other-recurring-charges-beyond-the-sba-servicing-fee","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}