{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-are-the-ongoing-annual-service-fees-for-7-a-loans-collected-by-the-sba-from-lenders","api_url":"https://dealroom.so/api/public/questions/how-are-the-ongoing-annual-service-fees-for-7-a-loans-collected-by-the-sba-from-lenders","question":"How are the ongoing annual service fees for 7(a) loans collected by the SBA from lenders?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"The SBA collects ongoing annual service fees from 7(a) lenders monthly through an Automated Clearing House (ACH) debit from the lender's designated account.","rule":"Lenders are responsible for remitting the ongoing annual service fee to the SBA on the guaranteed portion of 7(a) loans. These fees are collected monthly via ACH debit from a specified lender account. The fee amount is generally based on the outstanding guaranteed balance and is calculated according to the fee schedule effective for the fiscal year the loan was authorized.","example":"A lender has a portfolio of SBA 7(a) loans with a total outstanding guaranteed balance of $50,000,000. Each month, the SBA automatically debits the calculated service fee (e.g., 0.34% annually pro-rated monthly) from the lender's designated account.","what_lenders_check":"Lenders must ensure their designated ACH account has sufficient funds for these monthly debits. They also need to accurately track the outstanding guaranteed balance to reconcile SBA's charges and manage their profitability on the guaranteed portion of the loan.","required_facts":["Annual service fee","Monthly collection","ACH debit","Guaranteed balance","Fee schedule"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders"],"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":"FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders","url":"https://www.sba.gov/sites/default/files/2026-04/5000-878182.pdf"}],"related_questions":[{"question":"How is the upfront guaranty fee calculated for a 7(a) loan of $500,000 for FY2026?","url":"https://dealroom.so/for-lenders/questions/how-is-the-upfront-guaranty-fee-calculated-for-a-7-a-loan-of-500-000-for-fy2026"},{"question":"What is the process for a lender to remit the SBA upfront guaranty fee after loan closing?","url":"https://dealroom.so/for-lenders/questions/what-is-the-process-for-a-lender-to-remit-the-sba-upfront-guaranty-fee-after-loan-closing"},{"question":"How does the SBA calculate the 7(a) loan guaranty fee when the loan amount is precisely $1,000,000 for FY2026?","url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-calculate-the-7-a-loan-guaranty-fee-when-the-loan-amount-is-precisely-1-0"},{"question":"When is the ongoing SBA servicing fee (annual service fee) for a 7(a) loan typically collected from the lender?","url":"https://dealroom.so/for-lenders/questions/when-is-the-ongoing-sba-servicing-fee-annual-service-fee-for-a-7-a-loan-typically-collecte"},{"question":"How do the upfront SBA guaranty fees differ for 7(a) loans between $150,001 and $700,000 for FY2026?","url":"https://dealroom.so/for-lenders/questions/how-do-the-upfront-sba-guaranty-fees-differ-for-7-a-loans-between-150-001-and-700-000-for-"},{"question":"How do the ongoing annual service fees for 7(a) loans impact the lender's accounting and remittance to SBA?","url":"https://dealroom.so/for-lenders/questions/how-do-the-ongoing-annual-service-fees-for-7-a-loans-impact-the-lender-s-accounting-and-re"}],"related_terms":[{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Ongoing service fee","url":"https://dealroom.so/glossary/ongoing-service-fee"},{"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":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"}],"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/for-lenders/questions/how-are-the-ongoing-annual-service-fees-for-7-a-loans-collected-by-the-sba-from-lenders","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."]}