{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/what-is-the-upfront-sba-guaranty-fee-for-a-750-000-sba-7-a-loan-for-a-business-acquisition","api_url":"https://dealroom.so/api/public/questions/what-is-the-upfront-sba-guaranty-fee-for-a-750-000-sba-7-a-loan-for-a-business-acquisition","question":"What is the upfront SBA guaranty fee for a $750,000 SBA 7(a) loan for a business acquisition?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"For a $750,000 SBA 7(a) loan, the upfront guaranty fee depends on the guaranteed portion of the loan and is calculated as a percentage based on current fiscal year rates.","rule":"The upfront guaranty fee is a one-time fee calculated on the guaranteed portion of the loan. For loans up to $1,000,000, the SBA guarantees 85%. The fee rates are set annually by the SBA. For example, for FY2026, the fee for the guaranteed portion between $150,000 and $700,000 is 3.0%, and for the guaranteed portion between $700,000 and $5,000,000, it's 3.5%.","example":"For a $750,000 loan, the guaranteed portion is $637,500 (85% of $750,000). The fee would be calculated based on the FY2026 schedule: (3.0% of $637,500) if it falls within the applicable tier. Assuming the 3.0% rate for this tranche, the fee would be $19,125.","what_lenders_check":"Lenders must use the correct fiscal year's fee schedule and accurately calculate the guaranteed portion and the corresponding fee. This fee is collected from the borrower and remitted to the SBA.","required_facts":["Upfront guaranty fee","Guaranteed portion","FY2026 fee schedule","Loan amount dependent","One-time fee"],"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":"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":"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"}],"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-upfront-sba-guaranty-fee-for-a-750-000-sba-7-a-loan-for-a-business-acquisition","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."]}