{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/beyond-closing-are-there-ongoing-government-fees-for-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/beyond-closing-are-there-ongoing-government-fees-for-an-sba-7-a-loan","question":"Beyond closing, are there ongoing government fees for an SBA 7(a) loan?","topic":"Loan Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an annual service fee to the SBA on the outstanding guaranteed portion of the loan. This is in addition to the upfront guaranty fee paid at closing.","rule":"The annual service fee, also known as the ongoing servicing fee, is calculated on the outstanding balance of the guaranteed portion of the loan. This fee helps offset the costs of the SBA's loan programs and is usually collected by the lender and remitted to the SBA.","example":"For a $1,000,000 loan with a 75% SBA guarantee, the annual service fee would be calculated each year on the remaining guaranteed balance, which would be $750,000 initially, then decreasing as the loan is repaid.","what_lenders_check":"Lenders must accurately calculate and collect both the upfront guaranty fee and the ongoing service fee from the borrower, remitting them to the SBA in a timely manner. Compliance with fee schedules is crucial for maintaining the guaranty.","required_facts":["Annual service fee","Outstanding guaranteed balance","Lender collects","Remitted to SBA"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","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":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"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":"Besides upfront fees, are there ongoing annual fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/besides-upfront-fees-are-there-ongoing-annual-fees-for-an-sba-7-a-loan"},{"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"}],"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":"2026-06-13","sba_rule_sources_checked_through":"2026-06-13"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-loans/basics/beyond-closing-are-there-ongoing-government-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."]}