{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/beyond-the-interest-are-there-any-annual-fees-charged-on-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/beyond-the-interest-are-there-any-annual-fees-charged-on-an-sba-7-a-loan","question":"Beyond the interest, are there any annual fees charged on an SBA 7(a) loan?","topic":"Fees & costs","audience":"new","bot_mode":"buyer","short_answer":"Yes, there is typically an annual servicing fee (also called a \"SBA annual service fee\" or \"on-going guaranty fee\") that borrowers pay on top of their interest rate for an SBA 7(a) loan.","rule":"In addition to the upfront guaranty fee, the SBA charges an annual service fee to the lender for the guaranteed portion of the loan. This fee is typically passed on to the borrower as part of the total loan cost, calculated on the outstanding principal balance.","example":"For a $500,000 SBA 7(a) loan, if the annual service fee is 0.55% of the guaranteed portion, and the SBA guarantees 75% ($375,000), the annual fee would be $2,062.50. This is paid annually, usually monthly, in addition to the principal and interest.","what_lenders_check":"Lenders must accurately calculate and collect both the upfront guaranty fee and the annual service fee from the borrower. They ensure these fees are properly disclosed and remitted to the SBA according to the current fiscal year's fee schedule.","required_facts":["Annual servicing fee","On-going guaranty fee","Outstanding balance","Guaranteed portion","Fiscal year"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator"],"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":"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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"}],"related_questions":[{"question":"Is there an upfront fee I have to pay when getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-upfront-fee-i-have-to-pay-when-getting-an-sba-7-a-loan"},{"question":"Are there any ongoing fees I have to pay during the life of an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-fees-i-have-to-pay-during-the-life-of-an-sba-7-a-loan"},{"question":"What are the common fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any ongoing annual fees for an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-annual-fees-for-an-sba-7-a-loan-besides-interest"},{"question":"What additional costs or fees, other than interest, are typically involved with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-additional-costs-or-fees-other-than-interest-are-typically-involved-with-an-sba-7-a-l"},{"question":"What is the purpose of the initial upfront fee charged on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-initial-upfront-fee-charged-on-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-the-interest-are-there-any-annual-fees-charged-on-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."]}