{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-does-the-lender-remit-the-upfront-sba-guaranty-fee-to-the-sba-after-loan-closing","api_url":"https://dealroom.so/api/public/questions/how-does-the-lender-remit-the-upfront-sba-guaranty-fee-to-the-sba-after-loan-closing","question":"How does the lender remit the upfront SBA guaranty fee to the SBA after loan closing?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"The lender must remit the upfront SBA guaranty fee to the SBA electronically via the E-Tran system within 90 days of loan approval, regardless of when the loan actually closes.","rule":"The SBA's policy requires the upfront guaranty fee to be remitted within 90 days of the date the SBA provides its guaranty approval (e.g., E-Tran authorization date), not the loan closing date. This fee is typically collected from the borrower at closing, but the lender's obligation to remit is tied to the approval date.","example":"A $1,000,000 7(a) loan is authorized on January 15th, with a 3.5% upfront guaranty fee ($35,000). The loan closes on March 1st. The lender must ensure the $35,000 fee is remitted to the SBA via E-Tran by April 15th (90 days from authorization), even though it was collected from the borrower at the March 1st closing.","what_lenders_check":"Missing the 90-day remittance deadline can result in the loss of the SBA guaranty. Lenders must have robust internal tracking systems to monitor authorization dates and ensure timely fee remittance, regardless of closing delays.","required_facts":["Upfront guaranty fee","Remittance","E-Tran system","90-day deadline","Approval date"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator"],"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":"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":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"term":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-fee"},{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"SBA guaranty fee","url":"https://dealroom.so/glossary/sba-guaranty-fee"},{"term":"SBA Loan Guaranty","url":"https://dealroom.so/glossary/sba-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-does-the-lender-remit-the-upfront-sba-guaranty-fee-to-the-sba-after-loan-closing","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."]}