{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/how-is-the-upfront-sba-guaranty-fee-calculated-for-a-7-a-loan-greater-than-1-000-000-for-f","api_url":"https://dealroom.so/api/public/questions/how-is-the-upfront-sba-guaranty-fee-calculated-for-a-7-a-loan-greater-than-1-000-000-for-f","question":"How is the upfront SBA guaranty fee calculated for a 7(a) loan greater than $1,000,000 for FY2026?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"For FY2026 loans over $1,000,000, the upfront guaranty fee is 3.5% of the guaranteed portion up to $1,000,000, plus 3.75% of the guaranteed portion exceeding $1,000,000, up to the maximum loan amount.","rule":"The SBA uses a tiered fee structure for its upfront guaranty fee. For the guaranteed portion up to $1 million, a 3.5% fee applies. For any guaranteed portion exceeding $1 million, a higher fee of 3.75% is applied. These rates are subject to annual adjustments by the SBA.","example":"A $2,000,000 loan has a 75% SBA guaranty ($1,500,000). The fee is 3.5% on the first $1,000,000 of the guaranteed portion ($35,000), plus 3.75% on the remaining $500,000 of the guaranteed portion ($18,750), totaling $53,750.","what_lenders_check":"Lenders must accurately calculate the upfront guaranty fee and ensure it is collected from the borrower and remitted to the SBA in a timely manner. Errors can result in non-remittance penalties or issues with guaranty purchase.","required_facts":["Guaranty fee","Loan amount","Guaranteed portion","Tiered structure"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","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":"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 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-is-the-upfront-sba-guaranty-fee-calculated-for-a-7-a-loan-greater-than-1-000-000-for-f","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."]}