{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-does-the-90-day-rule-affect-the-calculation-of-sba-upfront-guaranty-fees-for-multiple-","api_url":"https://dealroom.so/api/public/questions/how-does-the-90-day-rule-affect-the-calculation-of-sba-upfront-guaranty-fees-for-multiple-","question":"How does the '90-day rule' affect the calculation of SBA upfront guaranty fees for multiple loans?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"The '90-day rule' applies when a borrower obtains multiple 7(a) loans within a 90-day period. For fee calculation, these loans are aggregated as if they were one loan, to determine the total guaranteed amount and apply the appropriate tiered fee schedule.","rule":"The SBA implemented the 90-day rule to prevent borrowers from structuring multiple loans to artificially reduce their upfront guaranty fees by staying under higher fee tiers. If a borrower applies for or receives additional 7(a) loans within 90 days of an existing 7(a) loan, the guaranteed portions of all loans are combined for fee calculation purposes. This ensures the correct, potentially higher, tiered fee is applied to the aggregate amount.","example":"A borrower receives a $750,000 7(a) loan (75% guaranteed). 60 days later, they apply for another $500,000 7(a) loan (75% guaranteed). Under the 90-day rule, the guaranteed portions ($562,500 + $375,000 = $937,500) are aggregated. The fee for the second loan is then calculated based on this aggregate amount, applying the applicable tiers (e.g., the base rate for sums over $700,000).","what_lenders_check":"Lenders must be aware of the 90-day rule to accurately calculate and collect upfront guaranty fees for serial borrowers. Misapplying the rule can lead to incorrect fees, potentially causing issues with SBA authorization and compliance.","required_facts":["Multiple loans","Within 90 days","Aggregate guaranteed portion","Tiered fee schedule","Upfront guaranty fee","SBA compliance"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","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":"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":"90-Day Rule","url":"https://dealroom.so/glossary/90-day-rule"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"Cancellation of the SBA guaranty","url":"https://dealroom.so/glossary/cancellation-of-the-sba-guaranty"},{"term":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"term":"Multiple","url":"https://dealroom.so/glossary/multiple"}],"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-the-90-day-rule-affect-the-calculation-of-sba-upfront-guaranty-fees-for-multiple-","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."]}