For SBA lenders
Short answer
For FY2026, the upfront guaranty fee structure has lower percentages for loans up to $500,000, and a tiered, higher percentage for loans exceeding $1,000,000, with a step-up for the portion over that amount.
The SBA implements a tiered fee structure to encourage lending to smaller businesses. Smaller loans (e.g., under $500,000) typically have a significantly lower or even waived upfront guaranty fee, while larger loans incur higher fees, often calculated on a graduated basis for different portions of the guaranteed amount.
For FY2026, a $400,000 loan might have a 0.25% fee (or waived), while a $1,500,000 loan could have 2.5% on the first $1,000,000 and 3.5% on the portion over $1,000,000, illustrating the difference in fee calculation.
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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