{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/does-the-sba-charge-me-any-ongoing-fees-after-my-loan-is-approved","api_url":"https://dealroom.so/api/public/questions/does-the-sba-charge-me-any-ongoing-fees-after-my-loan-is-approved","question":"Does the SBA charge me any ongoing fees after my loan is approved?","topic":"Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an annual service fee (also known as the 'on-going guaranty fee') to the SBA, in addition to the upfront guaranty fee.","rule":"In addition to the upfront guaranty fee paid at closing, the SBA charges an annual service fee (currently 0.34% of the outstanding guaranteed portion) to the lender, which is typically passed on to the borrower. This fee helps cover the costs of the program.","example":"If you have an outstanding guaranteed balance of $300,000, your annual service fee would be approximately $1,020 (0.34% of $300,000), typically paid monthly or quarterly as part of your loan payment.","what_lenders_check":"Lenders ensure all required fees are properly disclosed to the borrower and collected in accordance with SBA policy. They must remit these fees to the SBA on time.","required_facts":["Annual service fee","Upfront guaranty fee","Outstanding balance","Program costs","Lender remittance"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","7(a) Loan Program Terms, Conditions, and Eligibility"],"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":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"Is there an annual fee I pay to the SBA for my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan"},{"question":"Are there any fees I pay to the SBA directly, or just to the bank?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-i-pay-to-the-sba-directly-or-just-to-the-bank"},{"question":"What are the typical government and lender fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-government-and-lender-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any upfront fees a borrower must pay for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-a-borrower-must-pay-for-an-sba-7-a-loan"},{"question":"Are there any annual fees I pay to the SBA for the loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest"},{"question":"What are the typical fees I pay when getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-fees-i-pay-when-getting-an-sba-7-a-loan-besides-interest"}],"related_terms":[{"term":"Approved SBA Lender","url":"https://dealroom.so/glossary/approved-sba-lender"},{"term":"SBA-approved lender","url":"https://dealroom.so/glossary/sba-approved-lender"},{"term":"Assuming the loan","url":"https://dealroom.so/glossary/assuming-the-loan"},{"term":"SBA Loan","url":"https://dealroom.so/glossary/sba-loan"},{"term":"Approved lender","url":"https://dealroom.so/glossary/approved-lender"},{"term":"Fraud Charge","url":"https://dealroom.so/glossary/fraud-charge"}],"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-loans/basics/does-the-sba-charge-me-any-ongoing-fees-after-my-loan-is-approved","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."]}