For SBA lenders
Short answer
For a 7(a) loan of exactly $5,000,000, the upfront guaranty fee for FY2026 is calculated by applying tiered percentages to the guaranteed portion of the loan.
For FY2026, the upfront guaranty fee calculation for loans over $1,000,000 involves two tiers. For the first $1,000,000 of the guaranteed portion, the fee is 3.50%. For the guaranteed portion above $1,000,000, the fee is 3.75%. This is applied to the guaranteed amount, not the total loan amount.
For a $5,000,000 loan with an 80% guaranty ($4,000,000 guaranteed portion): The first $1,000,000 of the guaranteed portion costs $35,000 (3.50%). The remaining $3,000,000 ($4M - $1M) of the guaranteed portion costs $112,500 (3.75%). Total fee = $35,000 + $112,500 = $147,500.
SBA 7(a) Loan Guaranty Fee Calculator
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.
More on guaranty fees
Terms in this answer
Pre-qualify your SBA 7(a) deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to fund a deal like yours and flag anything that trips up approval.
Free · No documents · Usually same-day