{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-fees-i-have-to-pay-during-the-life-of-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/are-there-any-ongoing-fees-i-have-to-pay-during-the-life-of-an-sba-7-a-loan","question":"Are there any ongoing fees I have to pay during the life of an SBA 7(a) loan?","topic":"Fees & costs","audience":"new","bot_mode":"buyer","short_answer":"Yes, in addition to the upfront guaranty fee, borrowers also pay an ongoing servicing fee, sometimes called an annual service fee, to the SBA. This fee is typically paid monthly or quarterly as part of your loan payment.","rule":"The SBA charges an annual service fee on the outstanding principal balance of the guaranteed portion of the loan. This fee is also set annually by the SBA and is collected by the lender, who then remits it to the SBA. For example, for FY 2026, the ongoing servicing fee is typically 0.34% of the outstanding guaranteed balance.","example":"If you have an outstanding guaranteed balance of $1,000,000, your annual servicing fee would be $3,400 (0.34% of $1,000,000). This would be collected by your lender and remitted to the SBA, often as part of your monthly payment.","what_lenders_check":"Lenders are responsible for correctly calculating and collecting the ongoing servicing fee from the borrower and remitting it to the SBA. Errors can result in fees owed by the lender or issues with the guaranty.","required_facts":["Yes, ongoing fee","Annual service fee","Outstanding guaranteed balance","Collected by lender","Set annually by SBA"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders"],"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":"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"}],"related_questions":[{"question":"Is there an upfront fee I have to pay when getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-upfront-fee-i-have-to-pay-when-getting-an-sba-7-a-loan"},{"question":"What are the common fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any ongoing annual fees for an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-annual-fees-for-an-sba-7-a-loan-besides-interest"},{"question":"Beyond the interest, are there any annual fees charged on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/beyond-the-interest-are-there-any-annual-fees-charged-on-an-sba-7-a-loan"},{"question":"What additional costs or fees, other than interest, are typically involved with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-additional-costs-or-fees-other-than-interest-are-typically-involved-with-an-sba-7-a-l"},{"question":"What is the purpose of the initial upfront fee charged on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-initial-upfront-fee-charged-on-an-sba-7-a-loan"}],"related_terms":[{"term":"Useful Life of the Asset","url":"https://dealroom.so/glossary/useful-life-of-the-asset"},{"term":"Cancellation of the SBA guaranty","url":"https://dealroom.so/glossary/cancellation-of-the-sba-guaranty"},{"term":"Lease with an option to purchase","url":"https://dealroom.so/glossary/lease-with-an-option-to-purchase"},{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-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":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-fees-i-have-to-pay-during-the-life-of-an-sba-7-a-loan","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."]}