{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-specific-guaranty-fee-i-ll-have-to-pay-to-the-sba-for-a-1-000-000-loan-and-whe","api_url":"https://dealroom.so/api/public/questions/what-is-the-specific-guaranty-fee-i-ll-have-to-pay-to-the-sba-for-a-1-000-000-loan-and-whe","question":"What is the specific \"guaranty fee\" I'll have to pay to the SBA for a $1,000,000 loan, and when is it due?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"For a $1,000,000 loan, the SBA guaranty fee for FY2026 is typically 3.5% ($35,000) on the guaranteed portion over $700,000, plus 3.0% on the first $700,000. It is usually paid by the borrower to the lender at closing.","rule":"The SBA charges a one-time upfront guaranty fee based on the guaranteed portion of the loan. For FY2026, loans over $1,000,000 have a fee structure of 3.0% on the guaranteed portion up to $700,000, and 3.5% on the guaranteed portion exceeding $700,000. The fee is typically collected by the lender from the borrower at closing and remitted to the SBA.","example":"For a $1,000,000 loan, the guaranteed portion is typically 75% ($750,000). The fee would be (3.0% of $700,000) + (3.5% of $50,000) = $21,000 + $1,750 = $22,750. This $22,750 is due at closing.","what_lenders_check":"Lenders accurately calculate and collect the SBA guaranty fee from the borrower at closing. They remit it to the SBA within the required timeframe. Incorrect calculation or late remittance can lead to issues with the guaranty.","required_facts":["Guaranty fee","$1,000,000 loan","FY2026 rates","Paid at closing","Guaranteed portion"],"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"],"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"}],"related_questions":[{"question":"Besides the interest rate, what upfront fees will I pay for a $1 million SBA 7(a) loan at closing?","url":"https://dealroom.so/sba-7a/questions/besides-the-interest-rate-what-upfront-fees-will-i-pay-for-a-1-million-sba-7-a-loan-at-clo"},{"question":"How are the ongoing servicing fees for an SBA 7(a) loan calculated and paid?","url":"https://dealroom.so/sba-7a/questions/how-are-the-ongoing-servicing-fees-for-an-sba-7-a-loan-calculated-and-paid"},{"question":"What are the typical interest rates for an SBA 7(a) loan, and are they fixed or variable?","url":"https://dealroom.so/sba-7a/questions/what-are-the-typical-interest-rates-for-an-sba-7-a-loan-and-are-they-fixed-or-variable"},{"question":"What is the \"SBA guaranty fee\" I pay on an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/what-is-the-sba-guaranty-fee-i-pay-on-an-sba-7-a-loan"},{"question":"Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?","url":"https://dealroom.so/sba-7a/questions/are-there-any-other-lender-specific-fees-beyond-the-sba-guaranty-fee-and-ongoing-servicing"},{"question":"Can the lender charge their own separate processing or origination fees for an SBA 7(a) loan?","url":"https://dealroom.so/sba-7a/questions/can-the-lender-charge-their-own-separate-processing-or-origination-fees-for-an-sba-7-a-loa"}],"related_terms":[{"term":"Repair to the guaranty","url":"https://dealroom.so/glossary/repair-to-the-guaranty"},{"term":"SBA guaranty fee","url":"https://dealroom.so/glossary/sba-guaranty-fee"},{"term":"Additional guaranty fee","url":"https://dealroom.so/glossary/additional-guaranty-fee"},{"term":"Ineligible for SBA Guaranty","url":"https://dealroom.so/glossary/ineligible-for-sba-guaranty"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"}],"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-7a/questions/what-is-the-specific-guaranty-fee-i-ll-have-to-pay-to-the-sba-for-a-1-000-000-loan-and-whe","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."]}