{"ok":true,"canonical_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-","api_url":"https://dealroom.so/api/public/questions/how-do-the-upfront-sba-guaranty-fees-differ-for-7-a-loans-between-150-001-and-700-000-for-","question":"How do the upfront SBA guaranty fees differ for 7(a) loans between $150,001 and $700,000 for FY2026?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"For FY2026, loans between $150,001 and $700,000 have an upfront guaranty fee of 3.0% of the guaranteed portion, paid by the lender to SBA.","rule":"SBA sets different upfront guaranty fee tiers based on the loan amount. For loans over $150,000 up to $700,000, the fee for FY2026 is 3.0% of the guaranteed portion. This fee is paid by the lender to the SBA, often passed through to the borrower, and is distinct from the ongoing annual service fee.","example":"A lender approves a $500,000 7(a) loan with a 75% SBA guaranty. The guaranteed portion is $375,000. For FY2026, the upfront guaranty fee would be 3.0% of $375,000, which is $11,250.","what_lenders_check":"Lenders must accurately calculate the upfront guaranty fee based on the current fiscal year's fee schedule. Incorrect calculations or untimely remittance can lead to penalties or issues with the loan's standing with SBA.","required_facts":["Loan amount tier","Guaranty percentage","FY2026 fee schedule","Fee calculation"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","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":"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 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"},{"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":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"SBA 7(a) Loan Program","url":"https://dealroom.so/glossary/sba-7-a-loan-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":"2026-06-13","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-upfront-sba-guaranty-fees-differ-for-7-a-loans-between-150-001-and-700-000-for-","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."]}