{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/besides-upfront-fees-are-there-ongoing-annual-fees-for-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/besides-upfront-fees-are-there-ongoing-annual-fees-for-an-sba-7-a-loan","question":"Besides upfront fees, are there ongoing annual fees for an SBA 7(a) loan?","topic":"Loan Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, in addition to the upfront SBA guaranty fee, there is typically an ongoing annual servicing fee (also called a 'charge' or 'on-going fee') that lenders pay to the SBA, which is often passed on to the borrower.","rule":"The SBA charges an annual servicing fee to lenders for the guaranteed portion of outstanding 7(a) loans. This fee, calculated as a percentage of the outstanding guaranteed balance, is usually passed on to the borrower as part of their interest rate or as a separate charge, but it is typically not an additional fee on top of the contracted interest rate.","example":"If a borrower has an outstanding balance of $300,000 on an SBA loan with an annual servicing fee of 0.55%, the lender would pay approximately $1,650 annually to the SBA, which is factored into the borrower's loan cost.","what_lenders_check":"Lenders factor this annual fee into their pricing model when setting interest rates for SBA loans. They ensure transparency with borrowers about how this fee impacts their total loan cost.","required_facts":["Annual servicing fee","Guaranteed portion","Passed to borrower","Part of interest rate"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders"],"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":"FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders","url":"https://www.sba.gov/sites/default/files/2026-04/5000-878182.pdf"}],"related_questions":[{"question":"Are there any annual service fees I must pay on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-service-fees-i-must-pay-on-an-sba-7-a-loan"},{"question":"Is there an annual fee I pay on an SBA 7(a) loan besides the interest?","url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-on-an-sba-7-a-loan-besides-the-interest"},{"question":"What are the main fees associated with an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-main-fees-associated-with-an-sba-7-a-loan-besides-interest"},{"question":"Does the SBA charge any fees to me directly for applying?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-charge-any-fees-to-me-directly-for-applying"},{"question":"Are there any upfront fees a borrower typically pays for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-a-borrower-typically-pays-for-an-sba-7-a-loan"},{"question":"What fees do borrowers pay directly to the SBA for a 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-fees-do-borrowers-pay-directly-to-the-sba-for-a-7-a-loan"}],"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/besides-upfront-fees-are-there-ongoing-annual-fees-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."]}