{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-are-the-main-fees-charged-for-getting-an-sba-7-a-loan-besides-interest","api_url":"https://dealroom.so/api/public/questions/what-are-the-main-fees-charged-for-getting-an-sba-7-a-loan-besides-interest","question":"What are the main fees charged for getting an SBA 7(a) loan, besides interest?","topic":"Interest Rates & Fees","audience":"new","bot_mode":"buyer","short_answer":"The primary fee for an SBA 7(a) loan is the upfront SBA guaranty fee, which is paid to the SBA, plus an annual servicing fee, and potential lender fees like packaging fees.","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 of the loan and the loan amount. There's also an ongoing annual servicing fee paid to the SBA. Lenders may also charge reasonable packaging or application fees, which must be disclosed to the borrower.","example":"For a $500,000 SBA 7(a) loan, the upfront SBA guaranty fee for FY2026 might be around 3.5% on the guaranteed portion (e.g., 75%), which the borrower pays at closing. An additional annual servicing fee of 0.55% of the outstanding guaranteed balance would also apply.","what_lenders_check":"Lenders collect and remit the SBA guaranty and annual servicing fees to the SBA. They must ensure that any additional fees they charge are reasonable, customary, and permissible under SBA regulations, avoiding excessive costs to the borrower.","required_facts":["SBA guaranty fee","Annual servicing fee","Lender fees","Loan amount","Guaranteed portion"],"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","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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"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 interest rate typically set for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/how-is-the-interest-rate-typically-set-for-an-sba-7-a-loan"},{"question":"Can I choose between a fixed or variable interest rate for my SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/can-i-choose-between-a-fixed-or-variable-interest-rate-for-my-sba-7-a-loan"},{"question":"Are there any upfront or annual fees charged by the SBA for their guarantee?","url":"https://dealroom.so/sba-loans/basics/are-there-any-upfront-or-annual-fees-charged-by-the-sba-for-their-guarantee"},{"question":"Are SBA 7(a) loan interest rates typically fixed or variable?","url":"https://dealroom.so/sba-loans/basics/are-sba-7-a-loan-interest-rates-typically-fixed-or-variable"},{"question":"What fees are associated with getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-fees-are-associated-with-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/what-are-the-main-fees-charged-for-getting-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."]}