{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-typical-range-for-the-sba-7-a-loan-processing-fee-upfront-guaranty-fee-for-an-","api_url":"https://dealroom.so/api/public/questions/what-is-the-typical-range-for-the-sba-7-a-loan-processing-fee-upfront-guaranty-fee-for-an-","question":"What is the typical range for the SBA 7(a) loan processing fee (upfront guaranty fee) for an acquisition loan?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"For FY2026, the upfront guaranty fee varies by loan size: 0% for loans up to $150,000, 3% for loans between $150,001 and $700,000, and 3.5% for loans between $700,001 and $5,000,000 (with an additional 0.25% for loans over $1M).","rule":"The SBA charges lenders an upfront guaranty fee, which lenders typically pass on to the borrower, to offset the cost to the government of providing the loan guarantee. The fee is calculated on the guaranteed portion of the loan and is tiered based on the total loan amount.","example":"For a $600,000 acquisition loan (where 75% is guaranteed, or $450,000), the upfront guaranty fee would be 3% of the guaranteed portion, resulting in a fee of $13,500.","what_lenders_check":"Lenders accurately calculate and disclose the upfront guaranty fee to the borrower. They ensure the fee is remitted to the SBA within the required timeframe to maintain the loan guarantee.","required_facts":["Upfront guaranty fee","Loan size tiers","Guaranteed portion","FY2026 rates","SBA guarantee cost","Lender remittance"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","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":"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":"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":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"term":"SBA 7(a) loan","url":"https://dealroom.so/glossary/sba-7-a-loan"},{"term":"Processing fee","url":"https://dealroom.so/glossary/processing-fee"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-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":"2026-06-14","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-typical-range-for-the-sba-7-a-loan-processing-fee-upfront-guaranty-fee-for-an-","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."]}