For SBA lenders
Short answer
The annual service fee is calculated on the outstanding principal balance of the guaranteed portion of the loan, multiplied by the applicable annual service fee rate set by the SBA for the fiscal year.
The SBA charges lenders an ongoing annual service fee for each 7(a) loan. This fee is calculated annually on the average outstanding guaranteed principal balance during the year, at a rate published by the SBA. Lenders typically pass this cost to the borrower as part of the interest rate or a separate fee.
A lender has a $1,000,000 7(a) loan with a 75% SBA guaranty. If the average outstanding guaranteed principal balance for the year is $700,000, and the annual service fee rate for FY2026 is 0.34%, the lender calculates the fee as $700,000 * 0.0034 = $2,380 due to the SBA.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
7(a) Fees Effective During Fiscal Year 2026
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. 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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