{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest","api_url":"https://dealroom.so/api/public/questions/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest","question":"Are there any annual fees I pay to the SBA for the loan, besides interest?","topic":"Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, beyond the interest, borrowers typically pay an annual servicing fee to the SBA, which is collected by the lender and remitted to the SBA.","rule":"In addition to the upfront guaranty fee, the SBA charges an annual service fee (also known as the 'on-going guaranty fee' or 'annual service fee') for the guaranteed portion of the loan. This fee is calculated based on the outstanding principal balance and is collected by the lender, then remitted to the SBA quarterly.","example":"For a $500,000 loan with an SBA guarantee of 75%, the annual service fee would be calculated on the $375,000 guaranteed portion. If the fee is 0.55%, the annual fee would be $2,062.50, paid as part of the monthly loan payments.","what_lenders_check":"Lenders must accurately calculate and collect both the upfront and annual servicing fees from the borrower and remit them to the SBA in a timely manner. Failure to do so can impact the guarantee.","required_facts":["Annual servicing fee","Calculated on guaranteed portion","Collected by lender","Remitted to SBA quarterly","Ongoing charge"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator"],"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"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"}],"related_questions":[{"question":"Does the SBA charge me any ongoing fees after my loan is approved?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-charge-me-any-ongoing-fees-after-my-loan-is-approved"},{"question":"Is there an annual fee I pay to the SBA for my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan"},{"question":"Are there any fees I pay to the SBA directly, or just to the bank?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-i-pay-to-the-sba-directly-or-just-to-the-bank"},{"question":"What are the typical government and lender fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-government-and-lender-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any upfront fees a borrower must pay for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-a-borrower-must-pay-for-an-sba-7-a-loan"},{"question":"What are the typical fees I pay when getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-fees-i-pay-when-getting-an-sba-7-a-loan-besides-interest"}],"related_terms":[{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"Loan-to-Value","url":"https://dealroom.so/glossary/loan-to-value"},{"term":"Assuming the loan","url":"https://dealroom.so/glossary/assuming-the-loan"},{"term":"SBA Loan","url":"https://dealroom.so/glossary/sba-loan"},{"term":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"Loan-to-cost ratio","url":"https://dealroom.so/glossary/loan-to-cost-ratio"}],"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":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest","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."]}