{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/do-i-need-to-pay-any-upfront-fees-when-i-get-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/do-i-need-to-pay-any-upfront-fees-when-i-get-an-sba-7-a-loan","question":"Do I need to pay any upfront fees when I get an SBA 7(a) loan?","topic":"Rates & Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an upfront guaranty fee to the SBA, which is a percentage of the guaranteed portion of the loan. This fee is often financed into the loan.","rule":"The SBA charges an upfront guaranty fee, which is a one-time fee paid by the borrower to the SBA for providing the guarantee to the lender. The fee amount is a percentage of the guaranteed portion of the loan and varies based on the loan size and term. For example, for loans over $1,000,000, it's typically around 3.5% of the guaranteed portion.","example":"For a $1,000,000 loan with a 75% SBA guarantee ($750,000 guaranteed portion), the upfront guaranty fee would be calculated on the $750,000. If the rate is 3.5%, the fee would be $26,250.","what_lenders_check":"Lenders calculate and collect the upfront guaranty fee from the borrower and remit it to the SBA. They must ensure the fee is accurately calculated according to the current fiscal year's schedule and properly disclosed to the borrower.","required_facts":["Upfront guaranty fee","SBA charged","Loan size","Guaranteed portion"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","SBA 7(a) Loan Guaranty Fee Calculator","13 CFR Part 120 - Business Loans"],"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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[{"question":"Do I pay any annual fees on an SBA 7(a) loan after it's funded?","url":"https://dealroom.so/sba-loans/basics/do-i-pay-any-annual-fees-on-an-sba-7-a-loan-after-it-s-funded"},{"question":"Does an SBA 7(a) loan have a prepayment penalty if I pay it back early?","url":"https://dealroom.so/sba-loans/basics/does-an-sba-7-a-loan-have-a-prepayment-penalty-if-i-pay-it-back-early"},{"question":"What factors determine the interest rate I'll pay on my SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-factors-determine-the-interest-rate-i-ll-pay-on-my-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/do-i-need-to-pay-any-upfront-fees-when-i-get-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."]}