{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-additional-fees-i-have-to-pay-to-the-sba-beyond-interest-for-a-7-a-loan","api_url":"https://dealroom.so/api/public/questions/are-there-any-additional-fees-i-have-to-pay-to-the-sba-beyond-interest-for-a-7-a-loan","question":"Are there any additional fees I have to pay to the SBA, beyond interest, for a 7(a) loan?","topic":"Loan fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an upfront guaranty fee to the SBA and may also pay an annual servicing fee, both of which are calculated based on the guaranteed portion of the loan.","rule":"The upfront guaranty fee is paid by the borrower (often financed into the loan) to the SBA for providing the guaranty. Its amount depends on the loan size and the guaranteed percentage. An annual service fee, also paid to the SBA, is usually collected by the lender monthly or quarterly.","example":"For a $1 million loan with a 75% SBA guaranty, the borrower might pay an upfront guaranty fee of around 3.5% of the guaranteed amount ($750,000), which is $26,250. This is in addition to the interest payments.","what_lenders_check":"Lenders must accurately calculate and disclose all SBA fees to the borrower and ensure timely remittance to the SBA. Miscalculation or improper collection of fees can lead to issues with the SBA guaranty.","required_facts":["Upfront guaranty fee","Annual servicing fee","Guaranteed portion","Loan size","Fee calculation"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator","7(a) Loan Program Terms, Conditions, and Eligibility"],"official_sources":[{"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":"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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"What are the common fees associated with an SBA 7(a) loan that I will need to pay?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan-that-i-will-need-to-pay"},{"question":"Do SBA 7(a) loans have any upfront fees that the borrower must pay?","url":"https://dealroom.so/sba-loans/basics/do-sba-7-a-loans-have-any-upfront-fees-that-the-borrower-must-pay"},{"question":"Are there any fees associated with getting an SBA 7(a) loan that I, as the borrower, have to pay?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-associated-with-getting-an-sba-7-a-loan-that-i-as-the-borrower-have-to-"},{"question":"Can an SBA 7(a) loan include funds for closing costs like attorney fees?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-include-funds-for-closing-costs-like-attorney-fees"},{"question":"Are there ongoing fees that I have to pay to the SBA throughout the life of my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-ongoing-fees-that-i-have-to-pay-to-the-sba-throughout-the-life-of-my-7-a-loan"},{"question":"What fees are usually associated with getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-fees-are-usually-associated-with-getting-an-sba-7-a-loan"}],"related_terms":[{"term":"Accounting fees","url":"https://dealroom.so/glossary/accounting-fees"},{"term":"Request for Additional Information","url":"https://dealroom.so/glossary/request-for-additional-information"},{"term":"Interest accrual","url":"https://dealroom.so/glossary/interest-accrual"},{"term":"Accrue Interest","url":"https://dealroom.so/glossary/accrue-interest"},{"term":"Accrued Interest","url":"https://dealroom.so/glossary/accrued-interest"},{"term":"M&A advisor","url":"https://dealroom.so/glossary/ma-advisor"}],"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-loans/basics/are-there-any-additional-fees-i-have-to-pay-to-the-sba-beyond-interest-for-a-7-a-loan","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."]}