{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-are-the-main-fees-associated-with-an-sba-7-a-loan-besides-interest","api_url":"https://dealroom.so/api/public/questions/what-are-the-main-fees-associated-with-an-sba-7-a-loan-besides-interest","question":"What are the main fees associated with an SBA 7(a) loan, besides interest?","topic":"Loan Fees","audience":"new","bot_mode":"buyer","short_answer":"The primary fee is the SBA Guaranty Fee, paid by the borrower. Lenders may also charge reasonable packaging or origination fees, and there's a small ongoing servicing fee to the SBA.","rule":"The SBA charges an upfront guaranty fee to the lender, which is typically passed on to the borrower. This fee varies based on the guaranteed portion and loan amount, but is often 2.75% to 3.5% for loans over $1 million. Lenders can charge reasonable packaging fees, usually up to 2% of the loan amount, and there's an ongoing annual servicing fee of about 0.55% of the outstanding guaranteed balance.","example":"For a $1,000,000 SBA loan, the borrower might pay a one-time upfront guaranty fee of around $26,250 (2.625%) and an annual servicing fee of approximately $5,500 (0.55%) on the guaranteed portion. The lender might also charge a packaging fee of $10,000 (1%).","what_lenders_check":"Lenders must disclose all fees clearly to the borrower and ensure they comply with SBA maximums for packaging and origination fees. They collect the guaranty fee at closing and remit it to the SBA.","required_facts":["SBA Guaranty Fee","Lender Packaging Fee","Annual Servicing Fee","Closing costs","Appraisal/environmental fees"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","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":"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":"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 annual service fees I must pay on an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-annual-service-fees-i-must-pay-on-an-sba-7-a-loan"},{"question":"Is there an annual fee I pay on an SBA 7(a) loan besides the interest?","url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-on-an-sba-7-a-loan-besides-the-interest"},{"question":"Does the SBA charge any fees to me directly for applying?","url":"https://dealroom.so/sba-loans/basics/does-the-sba-charge-any-fees-to-me-directly-for-applying"},{"question":"Besides upfront fees, are there ongoing annual fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/besides-upfront-fees-are-there-ongoing-annual-fees-for-an-sba-7-a-loan"},{"question":"Are there any upfront fees a borrower typically pays for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-fees-a-borrower-typically-pays-for-an-sba-7-a-loan"},{"question":"What fees do borrowers pay directly to the SBA for a 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-fees-do-borrowers-pay-directly-to-the-sba-for-a-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":"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/what-are-the-main-fees-associated-with-an-sba-7-a-loan-besides-interest","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."]}