{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-do-sba-loan-guaranty-fees-for-fy2026-apply-to-loans-below-500-000","api_url":"https://dealroom.so/api/public/questions/how-do-sba-loan-guaranty-fees-for-fy2026-apply-to-loans-below-500-000","question":"How do SBA loan guaranty fees for FY2026 apply to loans below $500,000?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"For FY2026, 7(a) loans below $500,000 have reduced upfront guaranty fees, with no fee for loans up to $150,000 and a graduated scale for those between $150,001 and $500,000.","rule":"For FY2026, the upfront guaranty fee for 7(a) loans up to $150,000 is 0%. For loans exceeding $150,000 up to $500,000, the fee is 0.55% of the guaranteed portion. These reduced fees are designed to encourage lending to smaller businesses and are subject to annual Congressional appropriation.","example":"A lender processes a $100,000 7(a) loan. The upfront guaranty fee to the SBA is $0. If the loan is $300,000 (with a 75% guaranty, or $225,000 guaranteed portion), the fee would be 0.55% of $225,000, which is $1,237.50.","what_lenders_check":"Lenders must apply the correct upfront guaranty fee schedule based on the loan amount and the fiscal year of authorization. Miscalculating these fees can lead to errors in borrower charges and incorrect remittances to the SBA.","required_facts":["FY2026 fees","Loan amount","Upfront guaranty fee","$150K threshold","$500K threshold","Guaranteed portion"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator","SOP 50 10 - Lender and Development Company Loan Programs"],"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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"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"}],"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":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"SBA Loan Guaranty","url":"https://dealroom.so/glossary/sba-loan-guaranty"},{"term":"Application for Guaranty","url":"https://dealroom.so/glossary/application-for-guaranty"},{"term":"SBA guaranty","url":"https://dealroom.so/glossary/sba-guaranty"},{"term":"Acquisition Loans","url":"https://dealroom.so/glossary/acquisition-loans"},{"term":"Loan guaranty","url":"https://dealroom.so/glossary/loan-guaranty"}],"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-do-sba-loan-guaranty-fees-for-fy2026-apply-to-loans-below-500-000","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."]}