{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/is-there-an-upfront-fee-i-have-to-pay-when-getting-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/is-there-an-upfront-fee-i-have-to-pay-when-getting-an-sba-7-a-loan","question":"Is there an upfront fee I have to pay when getting an SBA 7(a) loan?","topic":"Fees & costs","audience":"new","bot_mode":"buyer","short_answer":"Yes, borrowers typically pay an upfront guaranty fee to the SBA, which is a percentage of the guaranteed portion of the loan. This fee is usually rolled into the total loan amount.","rule":"The SBA charges an upfront guaranty fee to help cover the costs of the program. The fee percentage varies based on the loan amount and loan term, as set annually by the SBA. For example, for loans over $1,000,000, the fee is generally 3.50% of the guaranteed portion up to $1,000,000, plus 3.75% of the guaranteed portion over $1,000,000.","example":"For a $1,500,000 loan with an 85% SBA guaranty ($1,275,000 guaranteed portion), the upfront fee would be calculated on the guaranteed portion. This fee, say $45,000, would then be added to the loan amount, increasing it to $1,545,000.","what_lenders_check":"Lenders must accurately calculate the upfront guaranty fee according to the current fiscal year's schedule and ensure it is properly disclosed to the borrower. They typically collect this fee from loan proceeds at closing and remit it to the SBA.","required_facts":["Yes, upfront fee","Percentage of guaranteed portion","Varies by loan size/term","Rolled into loan","Set annually by SBA"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator"],"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":"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":"Are there any ongoing fees I have to pay during the life of an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-fees-i-have-to-pay-during-the-life-of-an-sba-7-a-loan"},{"question":"What are the common fees associated with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan"},{"question":"Are there any ongoing annual fees for an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/are-there-any-ongoing-annual-fees-for-an-sba-7-a-loan-besides-interest"},{"question":"Beyond the interest, are there any annual fees charged on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/beyond-the-interest-are-there-any-annual-fees-charged-on-an-sba-7-a-loan"},{"question":"What additional costs or fees, other than interest, are typically involved with an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-additional-costs-or-fees-other-than-interest-are-typically-involved-with-an-sba-7-a-l"},{"question":"What is the purpose of the initial upfront fee charged on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-purpose-of-the-initial-upfront-fee-charged-on-an-sba-7-a-loan"}],"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":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-fee"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-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/sba-loans/basics/is-there-an-upfront-fee-i-have-to-pay-when-getting-an-sba-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."]}