{"ok":true,"canonical_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","api_url":"https://dealroom.so/api/public/questions/how-do-the-ongoing-annual-service-fees-for-7-a-loans-impact-the-lender-s-accounting-and-re","question":"How do the ongoing annual service fees for 7(a) loans impact the lender's accounting and remittance to SBA?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"Lenders must remit annual service fees (also known as the 'on-going guaranty fee') to the SBA semi-annually, based on the outstanding guaranteed portion of the loan, regardless of whether the loan is current or in default.","rule":"In addition to the upfront guaranty fee, lenders pay an ongoing annual service fee to the SBA. This fee is calculated based on the average daily outstanding guaranteed balance of the loan for the previous six-month period. Lenders are responsible for collecting this from the borrower (unless the loan is under $150,000, where it's typically absorbed by the lender) and remitting it to SBA semi-annually, even if the loan is in default.","example":"A lender has a portfolio of 7(a) loans. For a $1,000,000 loan with a 75% guaranty, the average guaranteed outstanding balance for the past six months was $700,000. The lender calculates the annual service fee (e.g., 0.55% of $700,000) and remits the semi-annual portion to the SBA.","what_lenders_check":"Lenders must accurately calculate and timely remit the annual service fee. Failure to do so can result in penalties and impact the lender's good standing with SBA. Accounting systems must be robust enough to track these fees for a large portfolio.","required_facts":["Annual service fee","Semi-annual remittance","Outstanding guaranteed portion","Loan status (current/default)","Fee calculation"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","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":"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":"What triggers the application of the SBA 7(a) loan prepayment penalty?","url":"https://dealroom.so/for-lenders/questions/what-triggers-the-application-of-the-sba-7-a-loan-prepayment-penalty"}],"related_terms":[{"term":"Accounting fees","url":"https://dealroom.so/glossary/accounting-fees"},{"term":"Ongoing service fee","url":"https://dealroom.so/glossary/ongoing-service-fee"},{"term":"Lender fees","url":"https://dealroom.so/glossary/lender-fees"},{"term":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"Lender's Application for Guaranty","url":"https://dealroom.so/glossary/lender-s-application-for-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-the-ongoing-annual-service-fees-for-7-a-loans-impact-the-lender-s-accounting-and-re","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."]}