{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-a-borrower-must-pay-for-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/are-there-any-upfront-fees-a-borrower-must-pay-for-an-sba-7-a-loan","question":"Are there any upfront fees a borrower must pay for an SBA 7(a) loan?","topic":"Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an upfront SBA Guaranty Fee, which is a percentage of the guaranteed portion of the loan, and potentially a lender's origination or packaging fee.","rule":"The SBA charges a one-time guaranty fee to the lender, which is usually passed on to the borrower. This fee is calculated based on the guaranteed portion of the loan amount and varies annually based on fiscal year notices. Lenders may also charge reasonable packaging or origination fees for their services, which are subject to SBA caps to prevent excessive charges.","example":"For a $500,000 loan with an 85% SBA guarantee, the guaranteed portion is $425,000. The SBA guaranty fee would be 3% of $425,000, which is $12,750, paid by the borrower at closing.","what_lenders_check":"Lenders must clearly disclose all fees to the borrower and ensure that all charges comply with SBA regulations, including the maximum allowable fees. They also facilitate the collection and remittance of the SBA guaranty fee.","required_facts":["SBA Guaranty Fee","Upfront cost","Percentage of guaranteed portion","Lender fees allowed","Subject to caps"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator"],"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) 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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"}],"related_questions":[{"question":"Does the SBA charge me any ongoing fees after my loan is approved?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-charge-me-any-ongoing-fees-after-my-loan-is-approved"},{"question":"Is there an annual fee I pay to the SBA for my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan"},{"question":"Are there any fees I pay to the SBA directly, or just to the bank?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-i-pay-to-the-sba-directly-or-just-to-the-bank"},{"question":"What are the typical government and lender fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-government-and-lender-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any annual fees I pay to the SBA for the loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest"},{"question":"What are the typical fees I pay when getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-fees-i-pay-when-getting-an-sba-7-a-loan-besides-interest"}],"related_terms":[{"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) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"Standard 7(a) loan","url":"https://dealroom.so/glossary/standard-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-upfront-fees-a-borrower-must-pay-for-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."]}