For SBA lenders
Short answer
Yes, lenders are required to pay an annual service fee, also known as an "Lender Oversight Fee," to the SBA for their outstanding 7(a) loan portfolio, calculated on the guaranteed portion of the loans.
In addition to the upfront guaranty fee paid by the borrower, lenders also pay an annual service fee to the SBA, typically calculated as a small percentage of the outstanding guaranteed balance of their 7(a) loans. This fee supports the SBA's oversight and administration of the program and is generally not passed on to the borrower.
A lender has an outstanding guaranteed 7(a) portfolio balance of $50,000,000. If the annual service fee is 0.10% of the guaranteed balance, the lender would pay $50,000 to the SBA for that fiscal year.
7(a) Fees Effective During Fiscal Year 2026
FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders
SOP 50 56 - Lender Participation Requirements
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
More on guaranty fees
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