{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-calculate-the-ongoing-annual-service-fee-payable-to-the-sba-for-a-7-a-lo","api_url":"https://dealroom.so/api/public/questions/how-does-a-lender-calculate-the-ongoing-annual-service-fee-payable-to-the-sba-for-a-7-a-lo","question":"How does a lender calculate the ongoing annual service fee payable to the SBA for a 7(a) loan?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"The ongoing annual service fee is calculated as a percentage of the outstanding guaranteed portion of the loan and is paid quarterly by the lender to the SBA.","rule":"The annual service fee, also known as the 'on-going guaranty fee' or 'SBA servicing fee,' is a recurring fee charged by the SBA to the lender. For FY2026, it is 0.55% (55 basis points) of the outstanding guaranteed balance. Lenders are permitted to pass this fee on to the borrower, typically collected monthly and remitted quarterly to the SBA.","example":"A lender has a 7(a) loan with an original guaranteed portion of $800,000. If the outstanding guaranteed balance at the end of a quarter is $750,000, the annual fee for that period would be calculated as ($750,000 * 0.0055) / 4 = $1,031.25 for that quarter.","what_lenders_check":"Lenders must accurately calculate and timely remit the annual service fee to the SBA to avoid penalties. They must also clearly communicate to the borrower how this fee is collected, as it impacts the borrower's effective interest rate.","required_facts":["Outstanding guaranteed balance","Annual percentage rate","Quarterly payment","Lender remittance","Borrower collection"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","13 CFR Part 120 - Business Loans"],"official_sources":[{"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":"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"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":"Ongoing service fee","url":"https://dealroom.so/glossary/ongoing-service-fee"},{"term":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"},{"term":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"Accounts Payable","url":"https://dealroom.so/glossary/accounts-payable"},{"term":"Service fee","url":"https://dealroom.so/glossary/service-fee"},{"term":"Ongoing guaranty fee","url":"https://dealroom.so/glossary/ongoing-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-does-a-lender-calculate-the-ongoing-annual-service-fee-payable-to-the-sba-for-a-7-a-lo","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."]}