{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-fees-are-associated-with-getting-an-sba-7-a-loan-besides-interest","api_url":"https://dealroom.so/api/public/questions/what-fees-are-associated-with-getting-an-sba-7-a-loan-besides-interest","question":"What fees are associated with getting an SBA 7(a) loan, besides interest?","topic":"Interest Rates & Fees","audience":"new","bot_mode":"buyer","short_answer":"Besides interest, the primary fee for an SBA 7(a) loan is an upfront guaranty fee paid to the SBA, and some lenders may charge packaging fees or other closing costs.","rule":"The SBA charges an upfront guaranty fee, calculated as a percentage of the guaranteed portion of the loan, which is typically passed on to the borrower. This fee helps offset the cost of the program. Lenders may also charge reasonable and customary fees for packaging, legal, and closing costs.","example":"For a $500,000 loan with an 85% SBA guarantee, the guaranteed portion is $425,000. If the upfront guaranty fee is 2.25% of the guaranteed portion, the borrower pays $9,562.50 to the SBA at closing.","what_lenders_check":"Lenders must accurately calculate and report the SBA guaranty fee and ensure all other fees charged to the borrower are reasonable and permissible under SBA regulations. They disclose all fees clearly to avoid issues.","required_facts":["Upfront guaranty fee","SBA program cost","Lender packaging fees","Legal fees","Closing costs","Fee calculation"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SBA 7(a) Loan Guaranty Fee Calculator","SOP 50 10 - Lender and Development Company Loan Programs","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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"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":"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":"What are the main fees charged for getting an SBA 7(a) loan, besides interest?","url":"https://dealroom.so/sba-loans/basics/what-are-the-main-fees-charged-for-getting-an-sba-7-a-loan-besides-interest"},{"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"}],"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-fees-are-associated-with-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."]}