{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-calculate-the-annual-service-fee-on-going-guaranty-fee-charged-to-the-len","api_url":"https://dealroom.so/api/public/questions/how-does-the-sba-calculate-the-annual-service-fee-on-going-guaranty-fee-charged-to-the-len","question":"How does the SBA calculate the annual service fee (on-going guaranty fee) charged to the lender for a 7(a) loan?","topic":"Guaranty Fees","audience":"lender","bot_mode":"lender","short_answer":"The annual service fee is calculated as a percentage of the outstanding guaranteed portion of the loan. This fee is paid by the lender to the SBA and is typically passed on to the borrower as part of the overall loan cost.","rule":"For 7(a) loans, in addition to the upfront guaranty fee, the SBA charges lenders an annual service fee (also known as the ongoing guaranty fee) on the outstanding guaranteed balance. This fee rate is set annually by the SBA and is detailed in procedural notices. Lenders usually incorporate this cost into the interest rate or other fees charged to the borrower, but it's fundamentally a charge from the SBA to the lender for maintaining the guaranty.","example":"A lender has a $1,000,000 7(a) loan with an 80% SBA guaranty ($800,000 guaranteed portion). If the annual service fee is 0.55%, the lender would pay the SBA $4,400 annually on the guaranteed portion, which is typically recovered from the borrower.","what_lenders_check":"Lenders must accurately calculate and remit the annual service fee to the SBA to remain in good standing. Failure to do so can result in penalties or impact the lender's authority to originate SBA loans.","required_facts":["Annual service fee","Guaranty fee","Outstanding guaranteed portion","Lender payment","SBA fee"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","7(a) Loan Program Terms, Conditions, and Eligibility"],"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":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"How does a lender ensure compliance with the '90-day rule' for guaranty fee payment for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-ensure-compliance-with-the-90-day-rule-for-guaranty-fee-payment-for-a-7-"},{"question":"When are the annual service fees for 7(a) loans due from lenders to the SBA?","url":"https://dealroom.so/for-lenders/questions/when-are-the-annual-service-fees-for-7-a-loans-due-from-lenders-to-the-sba"},{"question":"What is the prepayment penalty calculation for a 7(a) loan with a principal balance exceeding $500,000?","url":"https://dealroom.so/for-lenders/questions/what-is-the-prepayment-penalty-calculation-for-a-7-a-loan-with-a-principal-balance-exceedi"},{"question":"When is the upfront SBA guaranty fee typically due and how is it calculated for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/when-is-the-upfront-sba-guaranty-fee-typically-due-and-how-is-it-calculated-for-a-7-a-loan"},{"question":"Are there any ongoing annual fees that a lender must pay to the SBA for their 7(a) loan portfolio?","url":"https://dealroom.so/for-lenders/questions/are-there-any-ongoing-annual-fees-that-a-lender-must-pay-to-the-sba-for-their-7-a-loan-por"},{"question":"How does a lender calculate the ongoing servicing fee (annual service fee) due to the SBA for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-calculate-the-ongoing-servicing-fee-annual-service-fee-due-to-the-sba-fo"}],"related_terms":[{"term":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-fee"},{"term":"Call on the guaranty","url":"https://dealroom.so/glossary/call-on-the-guaranty"},{"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":"Service fee","url":"https://dealroom.so/glossary/service-fee"},{"term":"Claim on the SBA Guarantee","url":"https://dealroom.so/glossary/claim-on-the-sba-guarantee"}],"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-sba-calculate-the-annual-service-fee-on-going-guaranty-fee-charged-to-the-len","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."]}