{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/are-there-any-ongoing-annual-fees-that-a-lender-must-pay-to-the-sba-for-their-7-a-loan-por","api_url":"https://dealroom.so/api/public/questions/are-there-any-ongoing-annual-fees-that-a-lender-must-pay-to-the-sba-for-their-7-a-loan-por","question":"Are there any ongoing annual fees that a lender must pay to the SBA for their 7(a) loan portfolio?","topic":"Guaranty Fees","audience":"lender","bot_mode":"lender","short_answer":"Yes, lenders are required to pay an annual service fee, also known as an \"Lender Oversight Fee,\" to the SBA for their outstanding 7(a) loan portfolio, calculated on the guaranteed portion of the loans.","rule":"In addition to the upfront guaranty fee paid by the borrower, lenders also pay an annual service fee to the SBA, typically calculated as a small percentage of the outstanding guaranteed balance of their 7(a) loans. This fee supports the SBA's oversight and administration of the program and is generally not passed on to the borrower.","example":"A lender has an outstanding guaranteed 7(a) portfolio balance of $50,000,000. If the annual service fee is 0.10% of the guaranteed balance, the lender would pay $50,000 to the SBA for that fiscal year.","what_lenders_check":"Lenders must accurately calculate and timely remit their annual service fees to the SBA. Failure to do so can result in penalties or impact the lender's standing with the SBA and their delegated authority.","required_facts":["Annual service fee","Lender oversight fee","Outstanding guaranteed balance","Portfolio calculation","Timely remittance","Program administration"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders","SOP 50 56 - Lender Participation Requirements"],"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":"FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders","url":"https://www.sba.gov/sites/default/files/2026-04/5000-878182.pdf"},{"title":"SOP 50 56 - Lender Participation Requirements","url":"https://www.sba.gov/sites/default/files/2023-06/WF%20Attachment%20238243%20Final%20Closeout-%20SOP_50_56_6_07_2023_Final_.docx"}],"related_questions":[{"question":"How does a lender ensure compliance with the '90-day rule' for guaranty fee payment for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-ensure-compliance-with-the-90-day-rule-for-guaranty-fee-payment-for-a-7-"},{"question":"When are the annual service fees for 7(a) loans due from lenders to the SBA?","url":"https://dealroom.so/for-lenders/questions/when-are-the-annual-service-fees-for-7-a-loans-due-from-lenders-to-the-sba"},{"question":"What is the prepayment penalty calculation for a 7(a) loan with a principal balance exceeding $500,000?","url":"https://dealroom.so/for-lenders/questions/what-is-the-prepayment-penalty-calculation-for-a-7-a-loan-with-a-principal-balance-exceedi"},{"question":"When is the upfront SBA guaranty fee typically due and how is it calculated for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/when-is-the-upfront-sba-guaranty-fee-typically-due-and-how-is-it-calculated-for-a-7-a-loan"},{"question":"How does a lender calculate the ongoing servicing fee (annual service fee) due to the SBA for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-calculate-the-ongoing-servicing-fee-annual-service-fee-due-to-the-sba-fo"},{"question":"What is the process for a lender to remit the upfront guaranty fee and annual service fee to the SBA?","url":"https://dealroom.so/for-lenders/questions/what-is-the-process-for-a-lender-to-remit-the-upfront-guaranty-fee-and-annual-service-fee-"}],"related_terms":[{"term":"Lender fees","url":"https://dealroom.so/glossary/lender-fees"},{"term":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"Lender administrative fees","url":"https://dealroom.so/glossary/lender-administrative-fees"},{"term":"Lender Packaging Fees","url":"https://dealroom.so/glossary/lender-packaging-fees"},{"term":"Lender closing fees","url":"https://dealroom.so/glossary/lender-closing-fees"},{"term":"SBA lender","url":"https://dealroom.so/glossary/sba-lender"}],"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/for-lenders/questions/are-there-any-ongoing-annual-fees-that-a-lender-must-pay-to-the-sba-for-their-7-a-loan-por","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."]}