{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-are-the-upfront-guaranty-fees-for-a-standard-7-a-loan-structured-for-fy2026-especially","api_url":"https://dealroom.so/api/public/questions/how-are-the-upfront-guaranty-fees-for-a-standard-7-a-loan-structured-for-fy2026-especially","question":"How are the upfront guaranty fees for a standard 7(a) loan structured for FY2026, especially for loans over $1,000,000?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"For FY2026, the upfront guaranty fee for standard 7(a) loans over $1,000,000 is 3.50% of the guaranteed portion up to $1,000,000 plus 3.75% of the guaranteed portion over $1,000,000, but up to $5,000,000.","rule":"The SBA sets upfront guaranty fees annually to fund the program. These fees are collected from the lender, usually passed on to the borrower, and vary based on the loan's gross amount and guaranteed portion. The fee structure for larger loans is tiered to generate more revenue for the program.","example":"For a $2,000,000 7(a) loan with a 75% guaranty ($1,500,000 guaranteed portion): The fee would be (3.50% of $1,000,000) + (3.75% of $500,000) = $35,000 + $18,750 = $53,750. This fee must be remitted by the lender.","what_lenders_check":"Lenders must accurately calculate and remit the upfront guaranty fee within 90 days of loan approval (or prior to first disbursement, whichever is sooner) to avoid penalties and ensure the guaranty is valid. Miscalculation can lead to a deficiency in the guaranty.","required_facts":["Upfront guaranty fee","FY2026","Guaranteed portion","Tiered structure","Loan amount"],"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","SBA 7(a) Loan Guaranty Fee Calculator"],"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"},{"title":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"}],"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":"Standard 7(a) loan","url":"https://dealroom.so/glossary/standard-7-a-loan"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"7(a) Small Loan","url":"https://dealroom.so/glossary/7-a-small-loan"},{"term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-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-upfront-guaranty-fees-for-a-standard-7-a-loan-structured-for-fy2026-especially","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."]}