For SBA lenders
Short answer
For FY2026, the upfront guaranty fee for standard 7(a) loans varies by loan amount and guaranteed portion, with no annual servicing fee for the borrower, only for the lender on the guaranteed portion.
The SBA charges an upfront guaranty fee to the lender, which is typically passed on to the borrower. The fee is a percentage of the guaranteed portion, with tiers based on the total approved loan amount. For example, loans up to $150,000 have a lower fee than those over $700,000. The borrower no longer pays an ongoing annual service fee.
For a $500,000 loan with a 75% guaranty, the guaranteed portion is $375,000. Based on FY2026 fee schedule, the upfront fee might be 3% for the guaranteed amount up to $1,000,000, resulting in a $11,250 fee.
Insider move
Lenders must correctly calculate the upfront guaranty fee based on the current fiscal year's schedule and collect it from the borrower at closing for remittance to the SBA. Errors can lead to penalties or guaranty issues.
7(a) Fees Effective During Fiscal Year 2026
SOP 50 10 - Lender and Development Company Loan Programs
SBA 7(a) Loan Guaranty Fee Calculator
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.
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