{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/are-there-any-annual-maintenance-or-servicing-fees-that-i-as-the-borrower-pay-to-the-sba-d","api_url":"https://dealroom.so/api/public/questions/are-there-any-annual-maintenance-or-servicing-fees-that-i-as-the-borrower-pay-to-the-sba-d","question":"Are there any annual maintenance or servicing fees that I, as the borrower, pay to the SBA directly?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"No, as the borrower, you do not typically pay annual maintenance or servicing fees directly to the SBA. These are usually charged by the lender and may be built into your interest rate or loan costs.","rule":"The SBA charges an annual service fee (often called a 'SBA Servicing Fee' or 'Lender Annual Service Fee') to the lender for the guaranteed portion of the loan. While this cost is ultimately passed on to the borrower, it's typically either factored into the interest rate or sometimes presented as a separate, lender-charged annual fee, not a direct payment to the SBA by the borrower.","example":"If your lender has an annual servicing fee of 0.5% on the guaranteed portion of your loan, they will collect this from you, usually as part of your monthly payment or an annual invoice, and then remit the required portion to the SBA.","what_lenders_check":"Lenders must accurately calculate and collect both the upfront guaranty fee and any ongoing service fees. They ensure these are clearly disclosed to the borrower and properly remitted to the SBA, as incorrect fee handling can lead to guaranty repair issues.","required_facts":["No direct payment","SBA service fee","Lender charges","Interest rate inclusion","Annual cost"],"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":"Deferred Maintenance","url":"https://dealroom.so/glossary/deferred-maintenance"},{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"Borrower","url":"https://dealroom.so/glossary/borrower"},{"term":"Servicing","url":"https://dealroom.so/glossary/servicing"},{"term":"Annual receipts","url":"https://dealroom.so/glossary/annual-receipts"}],"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-7a/questions/are-there-any-annual-maintenance-or-servicing-fees-that-i-as-the-borrower-pay-to-the-sba-d","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."]}