{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/are-there-any-recurring-annual-fees-or-charges-i-will-pay-directly-to-the-sba-for-my-7-a-l","api_url":"https://dealroom.so/api/public/questions/are-there-any-recurring-annual-fees-or-charges-i-will-pay-directly-to-the-sba-for-my-7-a-l","question":"Are there any recurring annual fees or charges I will pay directly to the SBA for my 7(a) loan?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"No, borrowers do not pay annual service fees directly to the SBA. An ongoing servicing fee is collected by the lender as part of your loan payment and then remitted to the SBA.","rule":"While there is an ongoing 'SBA Servicing Fee' (also known as the 'Annual Service Fee'), it is charged to the lender based on the outstanding guaranteed portion of the loan. Lenders typically pass this cost on to the borrower as part of the overall interest rate or a separate fee, but it's not a direct payment from the borrower to the SBA.","example":"A borrower's monthly payment includes principal and interest. The interest rate might be slightly higher to cover the lender's cost of the ongoing SBA servicing fee, but the borrower doesn't write a separate check to the SBA.","what_lenders_check":"Lenders must accurately calculate and remit the ongoing servicing fee to the SBA on the outstanding guaranteed balance. This fee ensures the SBA can cover the costs of managing the loan program.","required_facts":["No direct annual fees","Ongoing servicing fee","Collected by lender","Remitted to SBA","Part of loan payment"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","SBA 7(a) Loans Overview"],"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":"SBA 7(a) Loans Overview","url":"https://www.sba.gov/funding-programs/loans/7a-loans"}],"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":"Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?","url":"https://dealroom.so/sba-7a/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing"},{"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"}],"related_terms":[{"term":"Form I-551","url":"https://dealroom.so/glossary/form-i-551"},{"term":"Will/trust","url":"https://dealroom.so/glossary/will-trust"},{"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":"Recurring Revenue","url":"https://dealroom.so/glossary/recurring-revenue"}],"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-7a/questions/are-there-any-recurring-annual-fees-or-charges-i-will-pay-directly-to-the-sba-for-my-7-a-l","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."]}