For SBA lenders
Short answer
For FY2026, the upfront guaranty fee for standard 7(a) loans is calculated as a percentage of the guaranteed portion, with varying rates based on the loan amount.
The SBA sets an annual schedule for guaranty fees. For FY2026, the fee structure is tiered: 0% for loans up to $150,000, 3% for the guaranteed portion between $150,001 and $700,000, and 3.5% for the guaranteed portion between $700,001 and $5,000,000, plus an additional 0.25% for guaranteed portions over $1,000,000.
A borrower secures a $1,000,000 7(a) loan with an 80% SBA guaranty ($800,000 guaranteed portion). The fee would be calculated on $800,000 using the tiered structure, resulting in a specific upfront fee paid by the borrower.
Lenders must accurately calculate and collect the correct guaranty fee from the borrower and remit it to the SBA within the specified timeframe. Errors in calculation or remittance can lead to issues with the loan's guaranty.
7(a) Fees Effective During Fiscal Year 2026
SBA 7(a) Loan Guaranty Fee Calculator
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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