{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/is-an-additional-guaranty-fee-required-if-a-7-a-loan-amount-is-increased-after-the-initial","api_url":"https://dealroom.so/api/public/questions/is-an-additional-guaranty-fee-required-if-a-7-a-loan-amount-is-increased-after-the-initial","question":"Is an additional guaranty fee required if a 7(a) loan amount is increased after the initial authorization?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"Yes, if a 7(a) loan amount is increased after initial authorization, an additional guaranty fee is required for the incremental increase in the guaranteed portion of the loan.","rule":"The SBA guaranty fee is calculated based on the total guaranteed portion of the loan. If the loan amount is increased, the guaranteed portion also increases, triggering an additional fee calculation for that increment. This fee is calculated based on the current fee schedule at the time the increase is authorized by the SBA.","example":"A $1,500,000 7(a) loan (75% guaranteed) is authorized. Later, an amendment increases the loan by $200,000. The guaranteed portion increases by $150,000 (75% of $200,000). The lender calculates and collects an additional guaranty fee on this $150,000 increment, based on the prevailing fee schedule.","what_lenders_check":"Lenders must be diligent in tracking and collecting any additional guaranty fees for loan increases. Failure to do so can result in uncollected fees, impacting the lender's cost recovery and adherence to SBA policy.","required_facts":["Loan increase","After authorization","Additional guaranty fee","Incremental guaranteed portion","Current fee schedule"],"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 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":"Additional guaranty fee","url":"https://dealroom.so/glossary/additional-guaranty-fee"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"Maximum SBA 7(a) Loan Amount","url":"https://dealroom.so/glossary/maximum-sba-7-a-loan-amount"},{"term":"Standard 7(a) loan","url":"https://dealroom.so/glossary/standard-7-a-loan"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"}],"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/is-an-additional-guaranty-fee-required-if-a-7-a-loan-amount-is-increased-after-the-initial","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."]}