For SBA lenders
Short answer
For a $500,000 7(a) loan for FY2026, the upfront guaranty fee is 2.50% of the guaranteed portion up to $1,000,000.
For 7(a) loans with a guaranteed portion up to and including $1,000,000, the upfront guaranty fee for FY2026 is 2.50% of the guaranteed amount. Assuming a standard 75% guaranty for a $500,000 loan, the guaranteed portion would be $375,000, making the fee $9,375.
A $500,000 7(a) loan has a 75% guaranty. The guaranteed portion is $375,000. The upfront guaranty fee calculation is $375,000 * 2.50% = $9,375.
Lenders must accurately calculate and collect the upfront guaranty fee from the borrower at closing. They ensure the correct FY fee schedule is applied and the fee is remitted to the SBA within the stipulated timeframe to avoid penalties.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Fees Effective During Fiscal Year 2026
SBA 7(a) Loan Guaranty Fee Calculator
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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