{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/do-sba-7-a-loans-have-any-upfront-fees-that-the-borrower-must-pay","api_url":"https://dealroom.so/api/public/questions/do-sba-7-a-loans-have-any-upfront-fees-that-the-borrower-must-pay","question":"Do SBA 7(a) loans have any upfront fees that the borrower must pay?","topic":"Loan fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, SBA 7(a) loans typically have an upfront guaranty fee that the borrower must pay. This fee is charged by the SBA to the lender for the guarantee and is usually passed on to the borrower.","rule":"The SBA charges an upfront guaranty fee based on the guaranteed portion of the loan amount and the total loan size. This fee helps offset the cost of the 7(a) program to taxpayers. For loans exceeding $500,000, there may also be an additional ongoing servicing fee. These fees can often be rolled into the total loan amount, reducing the borrower's immediate out-of-pocket costs.","example":"For a $1,000,000 SBA 7(a) loan with an SBA guarantee of 75%, the guaranteed portion is $750,000. In FY2026, the upfront guaranty fee would be 3.0% of the guaranteed portion for the first $1 million, resulting in a $22,500 fee ($750,000 * 0.03).","what_lenders_check":"Lenders are responsible for calculating and collecting the correct SBA fees. They must ensure these fees are clearly disclosed to the borrower and properly remitted to the SBA according to the current fiscal year's schedule.","required_facts":["Upfront guaranty fee","SBA charge","Based on guaranteed portion","Can be financed","FY2026 rates"],"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":"What are the common fees associated with an SBA 7(a) loan that I will need to pay?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan-that-i-will-need-to-pay"},{"question":"Are there any fees associated with getting an SBA 7(a) loan that I, as the borrower, have to pay?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-associated-with-getting-an-sba-7-a-loan-that-i-as-the-borrower-have-to-"},{"question":"Can an SBA 7(a) loan include funds for closing costs like attorney fees?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-include-funds-for-closing-costs-like-attorney-fees"},{"question":"Are there any additional fees I have to pay to the SBA, beyond interest, for a 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-additional-fees-i-have-to-pay-to-the-sba-beyond-interest-for-a-7-a-loan"},{"question":"Are there ongoing fees that I have to pay to the SBA throughout the life of my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-ongoing-fees-that-i-have-to-pay-to-the-sba-throughout-the-life-of-my-7-a-loan"},{"question":"What fees are usually associated with getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-fees-are-usually-associated-with-getting-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/do-sba-7-a-loans-have-any-upfront-fees-that-the-borrower-must-pay","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."]}