{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-fees-i-pay-when-getting-an-sba-7-a-loan-besides-interest","api_url":"https://dealroom.so/api/public/questions/what-are-the-typical-fees-i-pay-when-getting-an-sba-7-a-loan-besides-interest","question":"What are the typical fees I pay when getting an SBA 7(a) loan, besides interest?","topic":"Fees","audience":"new","bot_mode":"buyer","short_answer":"Beyond interest, the primary fee for an SBA 7(a) loan is an upfront SBA guaranty fee, which is a percentage of the guaranteed portion of the loan. Other fees may include packaging fees, closing costs, and appraisal fees.","rule":"The SBA charges a one-time guaranty fee to the lender, which is typically passed on to the borrower. This fee varies based on the loan amount and the guaranteed percentage. Lenders may also charge reasonable packaging fees, and borrowers are responsible for standard closing costs such as legal fees, appraisal fees, and environmental reports.","example":"For a $1,000,000 loan with an 85% SBA guaranty, the upfront fee might be around 3.0% of the guaranteed portion, or $25,500. Additionally, the borrower might pay $5,000-$15,000 in closing costs.","what_lenders_check":"Lenders ensure all fees charged comply with SBA regulations, especially regarding the maximum allowable guaranty fee and any lender-imposed fees. Transparency in disclosing all costs to the borrower is crucial.","required_facts":["SBA guaranty fee","Upfront fee","Packaging fees","Closing costs","Appraisal 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","7(a) Loan Program Terms, Conditions, and Eligibility"],"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"},{"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":"Is there an annual fee I pay to the SBA for my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-annual-fee-i-pay-to-the-sba-for-my-7-a-loan"},{"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"}],"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-typical-fees-i-pay-when-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."]}