{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-are-the-ongoing-servicing-fees-annual-service-fees-collected-by-the-sba-from-lenders-f","api_url":"https://dealroom.so/api/public/questions/how-are-the-ongoing-servicing-fees-annual-service-fees-collected-by-the-sba-from-lenders-f","question":"How are the ongoing servicing fees (annual service fees) collected by the SBA from lenders for a 7(a) loan, and how are they calculated?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"The ongoing servicing fee is collected by the SBA from the lender annually and is calculated as a percentage of the outstanding guaranteed balance of the loan, with specific rates set for each fiscal year.","rule":"The SBA charges lenders an annual service fee to help cover the costs of the 7(a) program. This fee is a percentage of the outstanding guaranteed portion of the loan, remitted monthly by the lender through E-Tran. The fee rate can vary by fiscal year and loan size. For FY2026, the rate is 0.55% for loans with a gross amount greater than $150,000.","example":"A lender has a $1,000,000 7(a) loan with an 80% SBA guaranty ($800,000 guaranteed portion). For FY2026, the annual servicing fee would be 0.55% of $800,000, which is $4,400. This amount is typically collected from the borrower as part of their interest rate, but remitted by the lender.","what_lenders_check":"Lenders must accurately calculate and remit the ongoing servicing fee to the SBA on time. Failure to do so can result in penalties or impact the lender's standing with the SBA. Lenders typically factor this cost into the interest rate charged to the borrower.","required_facts":["Annual service fee","Outstanding guaranteed balance","Percentage rate","FY2026","Monthly remittance"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"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":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"Ongoing service fee","url":"https://dealroom.so/glossary/ongoing-service-fee"},{"term":"Ongoing servicing fee","url":"https://dealroom.so/glossary/ongoing-servicing-fee"},{"term":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"},{"term":"Indemnification from the Seller","url":"https://dealroom.so/glossary/indemnification-from-the-seller"},{"term":"SBA Servicing Fee","url":"https://dealroom.so/glossary/sba-servicing-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-servicing-fees-annual-service-fees-collected-by-the-sba-from-lenders-f","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."]}