For SBA lenders
Short answer
For FY2026, the upfront guaranty fee for standard 7(a) loans over $1,000,000 is 3.50% of the guaranteed portion up to $1,000,000 plus 3.75% of the guaranteed portion over $1,000,000, but up to $5,000,000.
The SBA sets upfront guaranty fees annually to fund the program. These fees are collected from the lender, usually passed on to the borrower, and vary based on the loan's gross amount and guaranteed portion. The fee structure for larger loans is tiered to generate more revenue for the program.
For a $2,000,000 7(a) loan with a 75% guaranty ($1,500,000 guaranteed portion): The fee would be (3.50% of $1,000,000) + (3.75% of $500,000) = $35,000 + $18,750 = $53,750. This fee must be 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
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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