For SBA lenders
Short answer
For FY2026, 7(a) loans below $500,000 have reduced upfront guaranty fees, with no fee for loans up to $150,000 and a graduated scale for those between $150,001 and $500,000.
For FY2026, the upfront guaranty fee for 7(a) loans up to $150,000 is 0%. For loans exceeding $150,000 up to $500,000, the fee is 0.55% of the guaranteed portion. These reduced fees are designed to encourage lending to smaller businesses and are subject to annual Congressional appropriation.
A lender processes a $100,000 7(a) loan. The upfront guaranty fee to the SBA is $0. If the loan is $300,000 (with a 75% guaranty, or $225,000 guaranteed portion), the fee would be 0.55% of $225,000, which is $1,237.50.
Insider move
Lenders must apply the correct upfront guaranty fee schedule based on the loan amount and the fiscal year of authorization. Miscalculating these fees can lead to errors in borrower charges and incorrect remittances to the SBA.
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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