For SBA lenders
Short answer
The SBA collects ongoing annual service fees from 7(a) lenders monthly through an Automated Clearing House (ACH) debit from the lender's designated account.
Lenders are responsible for remitting the ongoing annual service fee to the SBA on the guaranteed portion of 7(a) loans. These fees are collected monthly via ACH debit from a specified lender account. The fee amount is generally based on the outstanding guaranteed balance and is calculated according to the fee schedule effective for the fiscal year the loan was authorized.
A lender has a portfolio of SBA 7(a) loans with a total outstanding guaranteed balance of $50,000,000. Each month, the SBA automatically debits the calculated service fee (e.g., 0.34% annually pro-rated monthly) from the lender's designated account.
Insider move
Lenders must ensure their designated ACH account has sufficient funds for these monthly debits. They also need to accurately track the outstanding guaranteed balance to reconcile SBA's charges and manage their profitability on the guaranteed portion of the loan.
7(a) Fees Effective During Fiscal Year 2026
SOP 50 10 - Lender and Development Company Loan Programs
FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders
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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