{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/are-there-ongoing-fees-that-i-have-to-pay-to-the-sba-throughout-the-life-of-my-7-a-loan","api_url":"https://dealroom.so/api/public/questions/are-there-ongoing-fees-that-i-have-to-pay-to-the-sba-throughout-the-life-of-my-7-a-loan","question":"Are there ongoing fees that I have to pay to the SBA throughout the life of my 7(a) loan?","topic":"Loan fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, in addition to the upfront guaranty fee, borrowers typically pay an annual service fee (also known as a servicing fee) to the SBA for the guaranteed portion of the loan.","rule":"This annual service fee is collected by the lender, usually on a monthly or quarterly basis, and remitted to the SBA. It covers the SBA's ongoing cost of providing the guarantee and administering the program. The amount is a small percentage of the outstanding guaranteed principal balance.","example":"A business has an outstanding SBA 7(a) loan of $500,000 with a 75% guarantee. If the annual service fee is 0.55%, they would pay approximately $2,062.50 ($500,000 * 0.75 * 0.0055) per year, typically divided into monthly payments, in addition to their principal and interest.","what_lenders_check":"Lenders must accurately calculate and collect the annual service fee from the borrower and remit it to the SBA in a timely manner. Errors in this process can lead to issues with the SBA's guarantee, particularly during loan servicing.","required_facts":["Annual service fee","Servicing fee","Guaranteed portion","Ongoing cost","Remittance"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","13 CFR Part 120 - Business Loans","7(a) Loan Program Terms, Conditions, and Eligibility"],"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":"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"What are the common fees associated with an SBA 7(a) loan that I will need to pay?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan-that-i-will-need-to-pay"},{"question":"Do SBA 7(a) loans have any upfront fees that the borrower must pay?","url":"https://dealroom.so/sba-loans/basics/do-sba-7-a-loans-have-any-upfront-fees-that-the-borrower-must-pay"},{"question":"Are there any fees associated with getting an SBA 7(a) loan that I, as the borrower, have to pay?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-associated-with-getting-an-sba-7-a-loan-that-i-as-the-borrower-have-to-"},{"question":"Can an SBA 7(a) loan include funds for closing costs like attorney fees?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-include-funds-for-closing-costs-like-attorney-fees"},{"question":"Are there any additional fees I have to pay to the SBA, beyond interest, for a 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-additional-fees-i-have-to-pay-to-the-sba-beyond-interest-for-a-7-a-loan"},{"question":"What fees are usually associated with getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-fees-are-usually-associated-with-getting-an-sba-7-a-loan"}],"related_terms":[{"term":"Useful Life of the Asset","url":"https://dealroom.so/glossary/useful-life-of-the-asset"},{"term":"Cancellation of the SBA guaranty","url":"https://dealroom.so/glossary/cancellation-of-the-sba-guaranty"},{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"SBA-Mandated Life Insurance","url":"https://dealroom.so/glossary/sba-mandated-life-insurance"},{"term":"Repair or denial of the SBA guaranty","url":"https://dealroom.so/glossary/repair-or-denial-of-the-sba-guaranty"},{"term":"Repair or Denial of the SBA Guarantee","url":"https://dealroom.so/glossary/repair-or-denial-of-the-sba-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-ongoing-fees-that-i-have-to-pay-to-the-sba-throughout-the-life-of-my-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."]}