{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-does-the-sba-calculate-the-upfront-guaranty-fee-for-a-7-a-loan-exceeding-1-000-000-for","api_url":"https://dealroom.so/api/public/questions/how-does-the-sba-calculate-the-upfront-guaranty-fee-for-a-7-a-loan-exceeding-1-000-000-for","question":"How does the SBA calculate the upfront guaranty fee for a 7(a) loan exceeding $1,000,000 for FY2026?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"For FY2026, the upfront guaranty fee for the guaranteed portion of a 7(a) loan exceeding $1,000,000 is 3.5% for the first $1,000,000 and 3.75% for the amount over $1,000,000 up to $5,000,000.","rule":"SBA charges an upfront guaranty fee to the lender (which is typically passed on to the borrower) based on the guaranteed portion of the loan. The fee structure for loans above $1,000,000 is tiered. For the portion of the guaranteed loan up to $1,000,000, it's 3.5%. For the guaranteed portion above $1,000,000, it's 3.75%. There are specific fee rates for smaller loans and loans with different guaranteed percentages.","example":"A lender obtains a $2,000,000 7(a) loan with a 75% SBA guaranty. The guaranteed portion is $1,500,000. The fee would be calculated as: (3.5% of $1,000,000) + (3.75% of $500,000) = $35,000 + $18,750 = $53,750.","what_lenders_check":"Lenders must accurately calculate the upfront guaranty fee and ensure it is properly collected. Incorrect fee calculations can lead to issues with SBA authorization and potentially impact the loan's profitability or borrower's cost.","required_facts":["Loan amount over $1M","Guaranteed portion","FY2026 fee schedule","Tiered fee structure","Upfront fee"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator","SOP 50 10 - Lender and Development Company Loan Programs"],"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"},{"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"}],"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 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":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"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-does-the-sba-calculate-the-upfront-guaranty-fee-for-a-7-a-loan-exceeding-1-000-000-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."]}