{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-typical-range-for-the-upfront-sba-guaranty-fee-a-borrower-pays-on-a-7-a-loan","api_url":"https://dealroom.so/api/public/questions/what-is-the-typical-range-for-the-upfront-sba-guaranty-fee-a-borrower-pays-on-a-7-a-loan","question":"What is the typical range for the upfront SBA guaranty fee a borrower pays on a 7(a) loan?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"The upfront SBA guaranty fee for a borrower typically ranges from 0.00% to 3.50% of the guaranteed portion of the loan, depending on the loan amount and type.","rule":"The SBA charges an upfront guaranty fee to lenders, which is typically passed on to the borrower. The fee structure is tiered based on the loan amount and can change annually. For smaller loans ($150,000 or less), the fee is often 0%. For larger loans, it's a percentage of the guaranteed portion.","example":"For a $100,000 loan, the upfront guaranty fee might be 0%. For a $1,000,000 loan with a 75% SBA guaranty, the fee could be around 2.75% of $750,000, which is $20,625.","what_lenders_check":"Lenders must correctly calculate and collect the SBA guaranty fee according to the current fiscal year's schedule. They explain this fee to the borrower as it's a significant closing cost.","required_facts":["SBA guaranty fee","Upfront fee","Loan amount","Guaranteed portion","Tiered structure","Closing cost"],"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 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":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-fee"},{"term":"Call on the guaranty","url":"https://dealroom.so/glossary/call-on-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"}],"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-7a/questions/what-is-the-typical-range-for-the-upfront-sba-guaranty-fee-a-borrower-pays-on-a-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."]}