{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-required-for-an-sba-7-a-loan-apart-from-the-interest-rate","api_url":"https://dealroom.so/api/public/questions/are-there-any-upfront-fees-required-for-an-sba-7-a-loan-apart-from-the-interest-rate","question":"Are there any upfront fees required for an SBA 7(a) loan, apart from the interest rate?","topic":"Fees & penalties","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. This fee is usually rolled into the loan amount.","rule":"The SBA charges an upfront guaranty fee, which is calculated based on the loan amount and the guaranteed portion. This fee supports the SBA's operations and helps cover potential losses. The amount varies based on the loan size and fiscal year, but it is typically financed into the loan, meaning the borrower doesn't pay it out-of-pocket at closing.","example":"For a $500,000 loan, with a 75% SBA guaranty, and a 2.5% upfront fee rate on the guaranteed portion, the fee would be approximately $9,375. This amount would be added to the $500,000 loan, making the total principal $509,375.","what_lenders_check":"Lenders must accurately calculate the upfront guaranty fee according to the SBA's current fee schedule and ensure it is properly collected and remitted to the SBA. They also ensure transparency in disclosing this fee to the borrower.","required_facts":["Upfront guaranty fee","Percentage of guaranteed portion","Varies by loan size","Usually financed","Supports SBA operations"],"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":"How is the ongoing annual service fee for an SBA 7(a) loan determined?","url":"https://dealroom.so/sba-loans/basics/how-is-the-ongoing-annual-service-fee-for-an-sba-7-a-loan-determined"}],"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":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-required-for-an-sba-7-a-loan-apart-from-the-interest-rate","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."]}