{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/when-is-the-annual-service-fee-for-an-sba-7-a-loan-typically-calculated-and-due-from-the-b","api_url":"https://dealroom.so/api/public/questions/when-is-the-annual-service-fee-for-an-sba-7-a-loan-typically-calculated-and-due-from-the-b","question":"When is the *annual service fee* for an SBA 7(a) loan typically calculated and due from the borrower?","topic":"Rate & fees","audience":"borrower","bot_mode":"buyer","short_answer":"The annual service fee, also known as the ongoing guaranty fee, is calculated annually on the outstanding principal balance and is typically due from the borrower once per year, usually on the anniversary of the loan disbursement.","rule":"This fee, paid to the SBA, helps offset the costs of the 7(a) loan program. The lender collects it from the borrower and remits it to the SBA. For loans over $1,000,000, it's 0.36% of the guaranteed portion of the outstanding balance. For loans $1,000,000 or less, it's 0.34%. For very small loans, it can be lower or waived.","example":"A borrower has a $1,500,000 SBA loan (75% guaranteed). On the first anniversary, the outstanding principal is $1,400,000. The guaranteed portion is $1,050,000. The annual service fee would be calculated on $1,050,000 at 0.36%, totaling $3,780.","what_lenders_check":"Lenders are responsible for collecting and remitting the annual service fee to the SBA. They ensure the fee is accurately calculated based on the guaranteed portion of the outstanding balance and that the borrower is aware of this recurring cost.","required_facts":["Annual calculation","Outstanding principal","Guaranteed portion","Anniversary date","Ongoing fee"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","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":"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":"Annual Service Fee","url":"https://dealroom.so/glossary/annual-service-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"},{"term":"SBA 7(a) loan guaranty","url":"https://dealroom.so/glossary/sba-7-a-loan-guaranty"},{"term":"SBA 7(a) program","url":"https://dealroom.so/glossary/sba-7-a-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/when-is-the-annual-service-fee-for-an-sba-7-a-loan-typically-calculated-and-due-from-the-b","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."]}