{"ok":true,"canonical_url":"https://dealroom.so/sba-loans/basics/what-fees-are-usually-associated-with-getting-an-sba-7-a-loan","api_url":"https://dealroom.so/api/public/questions/what-fees-are-usually-associated-with-getting-an-sba-7-a-loan","question":"What fees are usually associated with getting an SBA 7(a) loan?","topic":"Loan fees","audience":"new","bot_mode":"buyer","short_answer":"There are typically two main fees associated with an SBA 7(a) loan: an upfront SBA guaranty fee and an ongoing annual service fee, plus potential lender packaging fees.","rule":"The SBA charges a one-time guaranty fee to the lender, which is usually passed on to the borrower. This fee varies based on the guaranteed portion of the loan and the loan amount (e.g., for FY2026, it's 3.5% for the guaranteed portion over $1 million). There is also an ongoing annual service fee (e.g., 0.34% for loans over $150,000) on the outstanding guaranteed balance. Lenders may also charge reasonable packaging or closing fees.","example":"For a $1,000,000 loan with an 85% SBA guaranty, the upfront fee (FY26) could be around 3.5% of the guaranteed portion, or $29,750 (0.035 * $850,000). The annual service fee would be 0.34% of the guaranteed outstanding balance, paid quarterly.","what_lenders_check":"Lenders must accurately calculate and disclose all SBA-mandated fees to the borrower. They also ensure that any additional lender fees are reasonable and customary, and permissible under SBA regulations, to maintain the guaranty.","required_facts":["SBA guaranty fee","Annual service fee","Lender packaging fees","Varies by amount","FY2026 schedule"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","SBA 7(a) Loan Guaranty Fee Calculator","7(a) Fees Effective During Fiscal Year 2026"],"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":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"},{"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"}],"related_questions":[{"question":"What are the common fees associated with an SBA 7(a) loan that I will need to pay?","url":"https://dealroom.so/sba-loans/basics/what-are-the-common-fees-associated-with-an-sba-7-a-loan-that-i-will-need-to-pay"},{"question":"Do SBA 7(a) loans have any upfront fees that the borrower must pay?","url":"https://dealroom.so/sba-loans/basics/do-sba-7-a-loans-have-any-upfront-fees-that-the-borrower-must-pay"},{"question":"Are there any fees associated with getting an SBA 7(a) loan that I, as the borrower, have to pay?","url":"https://dealroom.so/sba-loans/basics/are-there-any-fees-associated-with-getting-an-sba-7-a-loan-that-i-as-the-borrower-have-to-"},{"question":"Can an SBA 7(a) loan include funds for closing costs like attorney fees?","url":"https://dealroom.so/sba-loans/basics/can-an-sba-7-a-loan-include-funds-for-closing-costs-like-attorney-fees"},{"question":"Are there any additional fees I have to pay to the SBA, beyond interest, for a 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-any-additional-fees-i-have-to-pay-to-the-sba-beyond-interest-for-a-7-a-loan"},{"question":"Are there ongoing fees that I have to pay to the SBA throughout the life of my 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/are-there-ongoing-fees-that-i-have-to-pay-to-the-sba-throughout-the-life-of-my-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-fees-are-usually-associated-with-getting-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."]}