{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/what-is-the-upfront-guaranty-fee-percentage-for-a-7-a-loan-over-1-000-000-in-fy2026","api_url":"https://dealroom.so/api/public/questions/what-is-the-upfront-guaranty-fee-percentage-for-a-7-a-loan-over-1-000-000-in-fy2026","question":"What is the upfront guaranty fee percentage for a 7(a) loan over $1,000,000 in FY2026?","topic":"Guaranty Fees","audience":"lender","bot_mode":"lender","short_answer":"For FY2026, the upfront guaranty fee for the guaranteed portion of a 7(a) loan over $1,000,000 is 3.50% on the guaranteed portion up to $1,000,000, plus 3.75% on the guaranteed portion over $1,000,000.","rule":"SBA sets upfront guaranty fees annually. For FY2026, loans exceeding $1,000,000 have a tiered fee structure. The first million dollars of the guaranteed amount incurs a 3.50% fee, and any guaranteed amount above $1,000,000 is assessed at 3.75%. This fee is paid by the lender and typically passed on to the borrower.","example":"A lender processes a $2,000,000 7(a) loan with a 75% guaranty. The guaranteed portion is $1,500,000. The fee would be (3.50% of $1,000,000) + (3.75% of $500,000) = $35,000 + $18,750 = $53,750.","what_lenders_check":"Lenders must accurately calculate upfront guaranty fees to avoid under- or overcharging the borrower and to ensure proper remittance to the SBA. Miscalculation can lead to compliance issues or financial discrepancies. Staying current with annual fee notices is crucial.","required_facts":["Upfront guaranty fee","FY2026","Loan amount tiers","Guaranteed portion","Fee calculation"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","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":"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":"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":"How does a lender ensure compliance with the '90-day rule' for guaranty fee payment for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-ensure-compliance-with-the-90-day-rule-for-guaranty-fee-payment-for-a-7-"},{"question":"When are the annual service fees for 7(a) loans due from lenders to the SBA?","url":"https://dealroom.so/for-lenders/questions/when-are-the-annual-service-fees-for-7-a-loans-due-from-lenders-to-the-sba"},{"question":"What is the prepayment penalty calculation for a 7(a) loan with a principal balance exceeding $500,000?","url":"https://dealroom.so/for-lenders/questions/what-is-the-prepayment-penalty-calculation-for-a-7-a-loan-with-a-principal-balance-exceedi"},{"question":"When is the upfront SBA guaranty fee typically due and how is it calculated for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/when-is-the-upfront-sba-guaranty-fee-typically-due-and-how-is-it-calculated-for-a-7-a-loan"},{"question":"Are there any ongoing annual fees that a lender must pay to the SBA for their 7(a) loan portfolio?","url":"https://dealroom.so/for-lenders/questions/are-there-any-ongoing-annual-fees-that-a-lender-must-pay-to-the-sba-for-their-7-a-loan-por"},{"question":"How does a lender calculate the ongoing servicing fee (annual service fee) due to the SBA for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/how-does-a-lender-calculate-the-ongoing-servicing-fee-annual-service-fee-due-to-the-sba-fo"}],"related_terms":[{"term":"Upfront Guaranty Fee","url":"https://dealroom.so/glossary/upfront-guaranty-fee"},{"term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"Upfront Fee","url":"https://dealroom.so/glossary/upfront-fee"},{"term":"SBA Upfront Guaranty Fee","url":"https://dealroom.so/glossary/sba-upfront-guaranty-fee"},{"term":"Guaranty Percentage","url":"https://dealroom.so/glossary/guaranty-percentage"}],"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/for-lenders/questions/what-is-the-upfront-guaranty-fee-percentage-for-a-7-a-loan-over-1-000-000-in-fy2026","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."]}