{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan","api_url":"https://dealroom.so/api/public/questions/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan","question":"Is there an annual fee I pay to the SBA for my 7(a) loan?","topic":"Fees","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an annual ongoing servicing fee to the SBA for their 7(a) loan. This fee is collected by the lender and passed on to the SBA.","rule":"In addition to an upfront guaranty fee, the SBA charges an ongoing servicing fee (also known as the annual service fee or annual guarantee fee) to the lender, which the lender passes on to the borrower. For fiscal year 2026, this fee is typically 0.36% of the guaranteed portion of the outstanding principal balance. This fee helps cover the administrative costs of the SBA's loan program.","example":"For a $500,000 SBA 7(a) loan with a 75% guarantee, the guaranteed portion is $375,000. The borrower would pay an annual ongoing servicing fee of 0.36% of $375,000, which equals $1,350 per year.","what_lenders_check":"Lenders are responsible for correctly calculating and collecting the annual servicing fee from the borrower and remitting it to the SBA. Errors in calculation or remittance can lead to issues with the SBA.","required_facts":["Annual fee","Ongoing servicing fee","Paid to SBA","Collected by lender","0.36% of guaranteed portion"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"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":"Does the SBA charge me any ongoing fees after my loan is approved?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-charge-me-any-ongoing-fees-after-my-loan-is-approved"},{"question":"Are there any fees I pay to the SBA directly, or just to the bank?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-i-pay-to-the-sba-directly-or-just-to-the-bank"},{"question":"What are the typical government and lender fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-government-and-lender-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any upfront fees a borrower must pay for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-a-borrower-must-pay-for-an-sba-7-a-loan"},{"question":"Are there any annual fees I pay to the SBA for the loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-fees-i-pay-to-the-sba-for-the-loan-besides-interest"},{"question":"What are the typical fees I pay when getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-fees-i-pay-when-getting-an-sba-7-a-loan-besides-interest"}],"related_terms":[{"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"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"Standard 7(a) loan","url":"https://dealroom.so/glossary/standard-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/sba-loans/basics/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan","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."]}