{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/how-are-the-ongoing-servicing-fees-for-an-sba-7-a-loan-calculated-and-paid","api_url":"https://dealroom.so/api/public/questions/how-are-the-ongoing-servicing-fees-for-an-sba-7-a-loan-calculated-and-paid","question":"How are the ongoing servicing fees for an SBA 7(a) loan calculated and paid?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"Ongoing servicing fees, also known as the annual service fee or guaranty fee, are paid by the lender to the SBA, and the cost is typically passed on to the borrower as part of the interest rate.","rule":"The SBA charges an annual service fee (often called the 'on-going guaranty fee') to the lender for the guaranteed portion of the loan that remains outstanding. For loans over $150,000, this fee for FY 2026 is 0.55% per year of the outstanding guaranteed principal balance. Lenders typically factor this cost into the interest rate they offer the borrower, so it is indirectly paid by the borrower over the life of the loan as part of their regular payments.","example":"A $1 million SBA 7(a) loan has an outstanding guaranteed balance of $750,000. The lender pays an annual service fee of 0.55% of $750,000, which is $4,125. This cost is incorporated into the borrower's annual interest rate.","what_lenders_check":"Lenders must accurately calculate and remit the ongoing service fee to the SBA on time. Failure to do so can result in penalties or even a repair or denial of the SBA guaranty. They ensure their loan pricing covers this fee.","required_facts":["Ongoing servicing fees","Annual service fee","Guaranteed portion","Lender payment","Interest rate inclusion"],"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":"Besides the interest rate, what upfront fees will I pay for a $1 million SBA 7(a) loan at closing?","url":"https://dealroom.so/sba-7a/questions/besides-the-interest-rate-what-upfront-fees-will-i-pay-for-a-1-million-sba-7-a-loan-at-clo"},{"question":"What are the typical interest rates for an SBA 7(a) loan, and are they fixed or variable?","url":"https://dealroom.so/sba-7a/questions/what-are-the-typical-interest-rates-for-an-sba-7-a-loan-and-are-they-fixed-or-variable"},{"question":"What is the \"SBA guaranty fee\" I pay on an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-sba-guaranty-fee-i-pay-on-an-sba-7-a-loan"},{"question":"Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?","url":"https://dealroom.so/sba-7a/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing"},{"question":"Can the lender charge their own separate processing or origination fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/can-the-lender-charge-their-own-separate-processing-or-origination-fees-for-an-sba-7-a-loa"},{"question":"When is the upfront SBA guaranty fee typically due during the loan application or closing process?","url":"https://dealroom.so/sba-7a/questions/when-is-the-upfront-sba-guaranty-fee-typically-due-during-the-loan-application-or-closing-"}],"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":"Variable-rate 7(a) loan","url":"https://dealroom.so/glossary/variable-rate-7-a-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"}],"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-7a/questions/how-are-the-ongoing-servicing-fees-for-an-sba-7-a-loan-calculated-and-paid","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."]}