{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-is-the-ongoing-servicing-fee-calculated-and-remitted-to-the-sba","api_url":"https://dealroom.so/api/public/questions/how-is-the-ongoing-servicing-fee-calculated-and-remitted-to-the-sba","question":"How is the ongoing servicing fee calculated and remitted to the SBA?","topic":"Guaranty Fees","audience":"lender","bot_mode":"lender","short_answer":"The ongoing servicing fee (annual service fee) is a percentage of the outstanding guaranteed balance, calculated monthly, and remitted by the lender to the SBA.","rule":"In addition to the upfront fee, the SBA charges an ongoing annual service fee to compensate for the cost of maintaining the guaranty. This fee is calculated based on the declining guaranteed balance of the loan and is paid by the lender to the SBA, typically collected from the borrower's payments.","example":"A loan has an outstanding guaranteed balance of $400,000. If the annual service fee is 0.55%, the monthly fee calculation would be $400,000 * (0.0055/12). The lender collects this from the borrower and remits it to the SBA.","what_lenders_check":"Lenders must accurately calculate and remit the ongoing servicing fee monthly. Errors in calculation or delays in remittance can lead to penalties or issues with the SBA.","required_facts":[],"source_families":["7(a) Fees Effective During Fiscal Year 2026","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":"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 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":"Ongoing servicing fee","url":"https://dealroom.so/glossary/ongoing-servicing-fee"},{"term":"Ongoing guaranty fee","url":"https://dealroom.so/glossary/ongoing-guaranty-fee"},{"term":"Annual Ongoing Servicing Fee","url":"https://dealroom.so/glossary/annual-ongoing-servicing-fee"},{"term":"SBA Servicing Fee","url":"https://dealroom.so/glossary/sba-servicing-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"}],"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-is-the-ongoing-servicing-fee-calculated-and-remitted-to-the-sba","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."]}