{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing","api_url":"https://dealroom.so/api/public/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing","question":"Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, lenders can charge their own reasonable and customary fees in addition to the SBA's guaranty fee and ongoing servicing fee.","rule":"While the SBA sets limits on certain fees and requires the SBA guaranty fee, lenders are permitted to charge other fees consistent with their normal lending practices, provided they are reasonable and customary. These can include application fees, packaging fees, legal fees, or administrative fees. All fees must be disclosed to the borrower.","example":"A buyer applies for a $500,000 SBA loan. In addition to the SBA guaranty fee of approximately 3% ($15,000) and ongoing servicing fee, the lender might charge a separate origination fee of 1% ($5,000) and a packaging fee of $2,500. These would be additional costs for the borrower.","what_lenders_check":"Lenders ensure that all fees charged comply with SBA regulations regarding reasonableness and customary practices. They must be transparent about all fees to avoid issues during the loan application and closing process.","required_facts":[],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Loan Program Terms, Conditions, and Eligibility"],"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"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":"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"},{"question":"When is the upfront SBA guaranty fee typically due during the loan application or closing process?","url":"https://dealroom.so/sba-7a/questions/when-is-the-upfront-sba-guaranty-fee-typically-due-during-the-loan-application-or-closing-"}],"related_terms":[{"term":"Ongoing servicing fee","url":"https://dealroom.so/glossary/ongoing-servicing-fee"},{"term":"Ongoing guaranty fee","url":"https://dealroom.so/glossary/ongoing-guaranty-fee"},{"term":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"SBA Servicing Fee","url":"https://dealroom.so/glossary/sba-servicing-fee"},{"term":"SBA guaranty fee","url":"https://dealroom.so/glossary/sba-guaranty-fee"},{"term":"Lender fees","url":"https://dealroom.so/glossary/lender-fees"}],"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-7a/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing","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."]}