{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/beyond-the-guaranty-fee-are-there-any-other-upfront-fees-charged-by-the-lender-that-are-sp","api_url":"https://dealroom.so/api/public/questions/beyond-the-guaranty-fee-are-there-any-other-upfront-fees-charged-by-the-lender-that-are-sp","question":"Beyond the guaranty fee, are there any other upfront fees charged by the lender that are specific to SBA 7(a) loans?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"Generally, no additional upfront fees specific to SBA are allowed. Lenders typically charge standard loan closing costs, but they cannot impose a separate packaging fee on the borrower.","rule":"The SBA limits fees that lenders can charge borrowers. Apart from the SBA guaranty fee, lenders may charge reasonable and customary closing costs (e.g., appraisal fees, legal fees, title insurance). However, they cannot charge a separate 'SBA packaging fee' or 'broker fee' directly to the borrower. Any agent fees must be paid from the lender's spread or disclosed and approved by the SBA.","example":"A buyer receives a $500,000 SBA loan. Besides the SBA guaranty fee, the closing costs include a $3,000 appraisal fee, $2,000 in legal fees, and $1,500 for title insurance, which are standard closing costs, not SBA-specific fees.","what_lenders_check":"Lenders must adhere strictly to SBA's fee limitations to avoid a 'repair' or 'denial' of the guaranty. They ensure all fees charged are reasonable, customary, and allowed by SBA regulations, and that they are properly disclosed to the borrower.","required_facts":["No additional upfront fees","Standard closing costs","Appraisal/legal fees","No packaging fee","SBA fee limits"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","13 CFR Part 103 - Standards for Conducting Business with SBA"],"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"13 CFR Part 103 - Standards for Conducting Business with SBA","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-103"}],"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":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"term":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-fee"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"Lender fees","url":"https://dealroom.so/glossary/lender-fees"},{"term":"Lender administrative fees","url":"https://dealroom.so/glossary/lender-administrative-fees"},{"term":"Lender Packaging Fees","url":"https://dealroom.so/glossary/lender-packaging-fees"}],"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/beyond-the-guaranty-fee-are-there-any-other-upfront-fees-charged-by-the-lender-that-are-sp","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."]}