For SBA lenders
Short answer
Yes, the SBA charges lenders an annual oversight fee for their participation in the 7(a) loan program, in addition to the guaranty fees paid by borrowers.
Lenders participating in the 7(a) program are subject to an annual fee for SBA oversight of their activities. This fee helps offset the costs of lender supervision, training, and program administration. The amount of this fee is specified in annual policy notices and is typically calculated based on the lender's portfolio volume or outstanding guaranteed balances.
A large SBA 7(a) lender with a substantial portfolio receives an annual invoice from the SBA for its oversight fee, calculated based on the total outstanding guaranteed balances of its 7(a) loans at the end of the prior fiscal year.
Insider move
Lenders must factor these oversight fees into their overall cost of doing business with the SBA. They need to budget for and pay these fees punctually to maintain their good standing as an SBA lender.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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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