{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-i-pay-to-the-sba-directly-or-just-to-the-bank","api_url":"https://dealroom.so/api/public/questions/are-there-any-fees-i-pay-to-the-sba-directly-or-just-to-the-bank","question":"Are there any fees I pay to the SBA directly, or just to the bank?","topic":"Fees","audience":"new","bot_mode":"buyer","short_answer":"There are fees associated with an SBA 7(a) loan that are paid to the SBA, but they are typically collected by the lender and then remitted to the SBA. You won't usually pay the SBA directly.","rule":"The primary fee paid to the SBA is the upfront guaranty fee, which is a percentage of the guaranteed portion of the loan. This fee is typically financed into the loan or paid at closing. There is also an ongoing annual servicing fee, also based on the guaranteed portion, which is usually collected by the lender from your monthly payments and remitted to the SBA.","example":"For a $1,000,000 loan with an 80% SBA guaranty, the upfront fee might be based on $800,000. If the fee rate is 3%, then $24,000 would be paid to the SBA through the lender. This fee is often included in the total loan amount.","what_lenders_check":"Lenders are responsible for correctly calculating and collecting all SBA fees from the borrower and remitting them to the SBA in a timely manner. Failure to do so can result in penalties or repair of the guaranty.","required_facts":["Upfront guaranty fee","Annual servicing fee","Collected by lender","Remitted to SBA"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","7(a) Loan Program Terms, Conditions, and Eligibility","SOP 50 10 - Lender and Development Company Loan Programs","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":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"},{"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":"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":"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":"Are there any annual fees I pay to the SBA for the loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest"},{"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 or denial of the SBA guaranty","url":"https://dealroom.so/glossary/repair-or-denial-of-the-sba-guaranty"},{"term":"Repair or Denial of the SBA Guarantee","url":"https://dealroom.so/glossary/repair-or-denial-of-the-sba-guarantee"},{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"Bank Fraud","url":"https://dealroom.so/glossary/bank-fraud"},{"term":"Community bank","url":"https://dealroom.so/glossary/community-bank"},{"term":"Commercial bank","url":"https://dealroom.so/glossary/commercial-bank"}],"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-i-pay-to-the-sba-directly-or-just-to-the-bank","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."]}