{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-upfront-fees-i-as-the-borrower-would-pay-for-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/what-are-the-typical-upfront-fees-i-as-the-borrower-would-pay-for-an-sba-7-a-loan","question":"What are the typical upfront fees I, as the borrower, would pay for an SBA 7(a) loan?","topic":"Fees & costs","audience":"new","bot_mode":"buyer","short_answer":"The primary upfront fee a borrower pays for an SBA 7(a) loan is the SBA guaranty fee, which is a percentage of the guaranteed portion of the loan.","rule":"The SBA guaranty fee is paid by the borrower to the SBA through the lender at the time of loan closing. The fee amount varies based on the guaranteed portion of the loan and its size, as set annually by the SBA. For example, for loans over $1,000,000, the fee can be 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 $1.5 million SBA 7(a) loan with a 75% guarantee ($1,125,000 guaranteed portion), the borrower would pay an upfront guaranty fee. For the first $1 million of the guaranteed portion, it's $35,000 (3.5%). For the remaining $125,000, it's $4,687.50 (3.75%). Total fee: $39,687.50.","what_lenders_check":"Lenders must accurately calculate and collect the SBA guaranty fee from the borrower at closing and remit it to the SBA. They also ensure the borrower understands all fees associated with the loan.","required_facts":["SBA guaranty fee","Upfront fee","Guaranteed portion","Loan closing","Fee schedule"],"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","13 CFR Part 120 - Business Loans"],"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":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"}],"related_questions":[{"question":"Is there an upfront fee I have to pay when getting an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-an-upfront-fee-i-have-to-pay-when-getting-an-sba-7-a-loan"},{"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"}],"related_terms":[{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-fee"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-program"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"Borrower","url":"https://dealroom.so/glossary/borrower"}],"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":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-loans/basics/what-are-the-typical-upfront-fees-i-as-the-borrower-would-pay-for-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."]}