For SBA lenders
Short answer
For FY2026, the upfront guaranty fee for the guaranteed portion of a 7(a) loan exceeding $1,000,000 is 3.5% for the first $1,000,000 and 3.75% for the amount over $1,000,000 up to $5,000,000.
SBA charges an upfront guaranty fee to the lender (which is typically passed on to the borrower) based on the guaranteed portion of the loan. The fee structure for loans above $1,000,000 is tiered. For the portion of the guaranteed loan up to $1,000,000, it's 3.5%. For the guaranteed portion above $1,000,000, it's 3.75%. There are specific fee rates for smaller loans and loans with different guaranteed percentages.
A lender obtains a $2,000,000 7(a) loan with a 75% SBA guaranty. The guaranteed portion is $1,500,000. The fee would be calculated as: (3.5% of $1,000,000) + (3.75% of $500,000) = $35,000 + $18,750 = $53,750.
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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