For SBA lenders
Short answer
For a 7(a) loan precisely at $1,000,000, the upfront guaranty fee for FY2026 is 3.50% on the guaranteed portion up to $1,000,000. This is based on the fee schedule for loans up to $1 million.
For FY2026, the upfront guaranty fee structure for 7(a) loans is tiered. For loans with a guaranteed portion up to $1,000,000, the fee is 3.50% of the guaranteed amount. Loans greater than $1,000,000 have a more complex calculation, but for exactly $1,000,000, the 3.50% applies to the entire guaranteed portion. This fee is paid by the lender to the SBA.
A lender approves a $1,000,000 7(a) loan with a 75% SBA guaranty. The guaranteed portion is $750,000. For FY2026, the upfront guaranty fee payable to the SBA would be 3.50% of $750,000, which is $26,250.
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.
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