For SBA lenders
Short answer
The ongoing servicing fee is collected by the SBA from the lender annually and is calculated as a percentage of the outstanding guaranteed balance of the loan, with specific rates set for each fiscal year.
The SBA charges lenders an annual service fee to help cover the costs of the 7(a) program. This fee is a percentage of the outstanding guaranteed portion of the loan, remitted monthly by the lender through E-Tran. The fee rate can vary by fiscal year and loan size. For FY2026, the rate is 0.55% for loans with a gross amount greater than $150,000.
A lender has a $1,000,000 7(a) loan with an 80% SBA guaranty ($800,000 guaranteed portion). For FY2026, the annual servicing fee would be 0.55% of $800,000, which is $4,400. This amount is typically collected from the borrower as part of their interest rate, but remitted by the lender.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Fees Effective During Fiscal Year 2026
SOP 50 10 - Lender and Development Company Loan Programs
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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