{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-or-annual-fees-charged-by-the-sba-for-their-guarantee","api_url":"https://dealroom.so/api/public/questions/are-there-any-upfront-or-annual-fees-charged-by-the-sba-for-their-guarantee","question":"Are there any upfront or annual fees charged by the SBA for their guarantee?","topic":"Interest Rates & Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, the SBA charges an upfront guaranty fee and an ongoing annual servicing fee, which are typically passed on to the borrower by the lender.","rule":"The upfront guaranty fee is a one-time charge calculated as a percentage of the guaranteed portion of the loan, paid at loan closing. Its rate varies based on the loan amount. Additionally, the SBA charges an annual servicing fee, also calculated as a percentage of the outstanding guaranteed balance, which is paid by the lender but typically recouped from the borrower throughout the loan term.","example":"For a $750,000 SBA 7(a) loan with a 75% guarantee, the upfront fee might be calculated on $562,500 (75% of $750,000). If the fee rate is 3.5%, the borrower pays $19,687.50 at closing. Annually, a servicing fee (e.g., 0.55%) is paid on the declining guaranteed balance.","what_lenders_check":"Lenders collect these fees from the borrower and accurately remit them to the SBA. They must clearly disclose all fees to the borrower upfront and ensure compliance with the SBA's annual fee schedule.","required_facts":["Upfront guaranty fee","Annual servicing fee","Guaranteed portion","Loan amount","Fee rates"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","SBA 7(a) Loan Guaranty Fee Calculator","13 CFR Part 120 - Business Loans"],"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) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[{"question":"How is the interest rate typically set for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/how-is-the-interest-rate-typically-set-for-an-sba-7-a-loan"},{"question":"Can I choose between a fixed or variable interest rate for my SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/can-i-choose-between-a-fixed-or-variable-interest-rate-for-my-sba-7-a-loan"},{"question":"What are the main fees charged for getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-main-fees-charged-for-getting-an-sba-7-a-loan-besides-interest"},{"question":"Are SBA 7(a) loan interest rates typically fixed or variable?","url":"https://dealroom.so/sba-loans/basics/are-sba-7-a-loan-interest-rates-typically-fixed-or-variable"},{"question":"What fees are associated with getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-fees-are-associated-with-getting-an-sba-7-a-loan-besides-interest"}],"related_terms":[{"term":"Repair or Denial of the SBA Guarantee","url":"https://dealroom.so/glossary/repair-or-denial-of-the-sba-guarantee"},{"term":"Claim on the SBA Guarantee","url":"https://dealroom.so/glossary/claim-on-the-sba-guarantee"},{"term":"SBA guarantee","url":"https://dealroom.so/glossary/sba-guarantee"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"SBA loan guarantee","url":"https://dealroom.so/glossary/sba-loan-guarantee"},{"term":"Repair of the guarantee","url":"https://dealroom.so/glossary/repair-of-the-guarantee"}],"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-or-annual-fees-charged-by-the-sba-for-their-guarantee","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."]}