For SBA lenders
Short answer
For FY2026, the upfront guaranty fee for standard 7(a) loans is calculated as a percentage of the guaranteed portion of the loan, with tiers based on the total loan amount.
The SBA publishes annual fee schedules. For loans over $500,000, the fee is a percentage of the guaranteed portion, typically 3.0% for the guaranteed amount up to $1,000,000, and 3.5% for the guaranteed amount between $1,000,001 and $5,000,000, plus an additional 0.25% on the guaranteed portion over $1 million. For loans $500,000 and less, the fee structure is different, often lower. Fees are calculated on the guaranteed portion only.
A $1,500,000 7(a) loan has an SBA guaranty of 75%. The guaranteed portion is $1,125,000. The fee would be (3.0% of $1,000,000) + (3.5% of $125,000) + (0.25% of $125,000) for the part exceeding $1M, plus the amount over $1M.
Insider move
Lenders must use the correct fee schedule for the current fiscal year and accurately calculate the fee to avoid errors that could impact the borrower's closing costs or result in short payment 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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