{"ok":true,"canonical_url":"https://dealroom.so/for-lenders/questions/when-is-the-upfront-sba-guaranty-fee-typically-collected-from-the-borrower-and-remitted-by","api_url":"https://dealroom.so/api/public/questions/when-is-the-upfront-sba-guaranty-fee-typically-collected-from-the-borrower-and-remitted-by","question":"When is the upfront SBA guaranty fee typically collected from the borrower and remitted by the lender for a 7(a) loan?","topic":"Guaranty Fees","audience":"lender","bot_mode":"lender","short_answer":"The upfront SBA guaranty fee is typically collected from the borrower at or before loan closing and must be remitted by the lender to the SBA within 90 days of loan approval.","rule":"The upfront guaranty fee is a one-time charge paid by the borrower to the SBA for the guaranty. Lenders collect this fee at closing and are responsible for remitting it to the SBA. The SBA mandates remittance within 90 days of the date the SBA provides its loan number (approval), even if the loan has not yet fully disbursed.","example":"A 7(a) loan for $1,000,000 is approved by the SBA on January 15th, and the guaranty fee is $25,000. The lender closes the loan on February 28th and collects the fee from the borrower. The lender must remit the $25,000 to the SBA by April 15th (90 days from approval date).","what_lenders_check":"Lenders must ensure timely collection and remittance of the guaranty fee. Failure to remit within the 90-day window can result in the SBA assessing penalties or even questioning the guaranty's validity. They also need to be aware of fee schedule changes for each fiscal year.","required_facts":["Upfront guaranty fee","Collection timing","Remittance deadline","Loan approval date","SBA loan number"],"source_families":["7(a) Fees Effective During Fiscal Year 2026","SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","SBA 7(a) Loan Guaranty Fee Calculator"],"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"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"SBA 7(a) Loan Guaranty Fee Calculator","url":"https://www.sba.gov/document/support-sba-7a-loan-guaranty-fee-calculator"}],"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":"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":"SBA guaranty fee","url":"https://dealroom.so/glossary/sba-guaranty-fee"},{"term":"Indemnification from the Seller","url":"https://dealroom.so/glossary/indemnification-from-the-seller"},{"term":"Guaranty fee","url":"https://dealroom.so/glossary/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/for-lenders/questions/when-is-the-upfront-sba-guaranty-fee-typically-collected-from-the-borrower-and-remitted-by","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."]}