{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/are-there-different-annual-service-fees-ongoing-guaranty-fees-based-on-the-loan-amount-for","api_url":"https://dealroom.so/api/public/questions/are-there-different-annual-service-fees-ongoing-guaranty-fees-based-on-the-loan-amount-for","question":"Are there different annual service fees (ongoing guaranty fees) based on the loan amount for an SBA 7(a) loan?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, the annual service fee, also known as the ongoing guaranty fee, is generally calculated as a percentage of the outstanding guaranteed portion and can vary based on loan amount categories.","rule":"The SBA charges an annual service fee to lenders, which is typically passed on to borrowers, to cover the ongoing costs of managing the guaranty program. This fee structure often includes tiers where higher loan amounts may have slightly different percentage rates for the fee calculation.","example":"For loans greater than $1,000,000, the annual service fee might be 0.36% of the guaranteed portion, while for smaller loans, it could be a different rate, as published in the annual fee schedules.","what_lenders_check":"Lenders must correctly calculate and collect the annual service fee according to the SBA's published schedule for each fiscal year, ensuring accurate pass-through to the borrower and avoiding compliance issues.","required_facts":["Annual service fee","Ongoing guaranty fee","Loan amount tiers","Guaranteed portion","Fiscal year fee schedule"],"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":[{"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":"Call on the guaranty","url":"https://dealroom.so/glossary/call-on-the-guaranty"},{"term":"Ongoing service fee","url":"https://dealroom.so/glossary/ongoing-service-fee"},{"term":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"},{"term":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"Ongoing guaranty fee","url":"https://dealroom.so/glossary/ongoing-guaranty-fee"},{"term":"Loan Amount","url":"https://dealroom.so/glossary/loan-amount"}],"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-different-annual-service-fees-ongoing-guaranty-fees-based-on-the-loan-amount-for","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."]}