{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/are-there-any-specific-circumstances-where-the-sba-7-a-loan-guaranty-fee-might-be-reduced-","api_url":"https://dealroom.so/api/public/questions/are-there-any-specific-circumstances-where-the-sba-7-a-loan-guaranty-fee-might-be-reduced-","question":"Are there any specific circumstances where the SBA 7(a) loan guaranty fee might be reduced or waived?","topic":"Guaranty Fee Waivers","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, the SBA guaranty fee can be reduced or waived for certain types of loans, such as those made to veterans or very small loans, depending on current SBA policy.","rule":"The SBA periodically adjusts its fee schedule and offers waivers or reductions for specific initiatives. For example, loans to eligible veterans often qualify for a reduced or waived upfront guaranty fee. Also, loans under a certain threshold (e.g., $50,000) typically have no upfront guaranty fee.","example":"If you are an eligible veteran applying for a $300,000 SBA 7(a) loan, you might qualify for a zero upfront guaranty fee, saving several thousand dollars, based on the current fiscal year's policy.","what_lenders_check":"Lenders must correctly apply the current SBA fee schedule and any applicable waivers or reductions. They stay updated on SBA notices to ensure accurate calculation and disclosure of all fees to the borrower.","required_facts":["Guaranty fee","Reduction eligibility","Veteran status","Loan amount"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs"],"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"}],"related_questions":[],"related_terms":[{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-program"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"SBA guaranty fee","url":"https://dealroom.so/glossary/sba-guaranty-fee"}],"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-specific-circumstances-where-the-sba-7-a-loan-guaranty-fee-might-be-reduced-","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."]}