{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-are-the-consequences-if-a-lender-fails-to-remit-the-sba-upfront-guaranty-fee-within-t","api_url":"https://dealroom.so/api/public/questions/what-are-the-consequences-if-a-lender-fails-to-remit-the-sba-upfront-guaranty-fee-within-t","question":"What are the consequences if a lender fails to remit the SBA upfront guaranty fee within the 90-day requirement?","topic":"Guaranty fees","audience":"lender","bot_mode":"lender","short_answer":"Failure to remit the upfront guaranty fee within 90 days of loan approval (or disbursement if earlier) will result in the loss of the SBA guaranty.","rule":"SBA policy states that the lender's failure to remit the required upfront guaranty fee within 90 calendar days of the loan approval date (or the date of first disbursement, if earlier) will result in the automatic termination of the SBA guaranty. This is a strict requirement with no exceptions.","example":"A lender receives a 7(a) loan approval on January 15th, and the loan is disbursed on February 1st. The lender must remit the upfront guaranty fee by April 15th. If the fee is sent on April 16th, the SBA guaranty on the loan is automatically lost.","what_lenders_check":"Lenders must have robust internal controls to track and ensure timely remittance of upfront guaranty fees. The loss of the guaranty due to a missed deadline represents a 100% loss exposure for the lender on the guaranteed portion of the loan.","required_facts":["90-day deadline","Loan approval date","First disbursement date","Automatic guaranty loss","Lender tracking"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","7(a) Fees Effective During Fiscal Year 2026","13 CFR Part 120 - Business Loans"],"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"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 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":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-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"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"}],"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/what-are-the-consequences-if-a-lender-fails-to-remit-the-sba-upfront-guaranty-fee-within-t","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."]}