For SBA lenders
Short answer
The ongoing servicing fee (annual service fee) is a percentage of the outstanding guaranteed balance, calculated monthly, and remitted by the lender to the SBA.
In addition to the upfront fee, the SBA charges an ongoing annual service fee to compensate for the cost of maintaining the guaranty. This fee is calculated based on the declining guaranteed balance of the loan and is paid by the lender to the SBA, typically collected from the borrower's payments.
A loan has an outstanding guaranteed balance of $400,000. If the annual service fee is 0.55%, the monthly fee calculation would be $400,000 * (0.0055/12). The lender collects this from the borrower and remits it to the SBA.
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