{"ok":true,"canonical_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-","api_url":"https://dealroom.so/api/public/questions/are-there-any-fees-associated-with-getting-an-sba-7-a-loan-that-i-as-the-borrower-have-to-","question":"Are there any fees associated with getting an SBA 7(a) loan that I, as the borrower, have to pay?","topic":"Loan fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers are typically responsible for an upfront SBA guaranty fee and a small ongoing service fee. There may also be standard third-party closing costs such as appraisal, legal, and environmental fees.","rule":"The SBA charges an upfront guaranty fee, calculated as a percentage of the guaranteed portion of the loan, which is paid by the borrower. There's also an ongoing service fee that lenders pay the SBA, which may be passed on to the borrower. Additionally, standard closing costs (e.g., attorney fees, appraisal, title insurance) are borne by the borrower.","example":"For a $500,000 loan with an 85% SBA guarantee, the upfront guaranty fee for FY2026 might be around 2.22% on the guaranteed portion ($425,000), equaling $9,435. This fee is often rolled into the loan.","what_lenders_check":"Lenders ensure borrowers are aware of all fees and that these fees comply with SBA regulations regarding maximum amounts. They also verify that the upfront guaranty fee is properly remitted to the SBA.","required_facts":["SBA guaranty fee","Upfront fee","Ongoing service fee","Third-party closing costs","Appraisal fees","Legal fees"],"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","SBA 7(a) Loan Guaranty Fee Calculator"],"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"},{"title":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"}],"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":"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 any additional fees I have to pay to the SBA, beyond interest, for a 7(a) loan?","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"},{"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":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"Standard 7(a) loan","url":"https://dealroom.so/glossary/standard-7-a-loan"}],"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-fees-associated-with-getting-an-sba-7-a-loan-that-i-as-the-borrower-have-to-","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."]}