For SBA lenders
Short answer
For FY2026 loans over $1,000,000, the upfront guaranty fee is 3.5% of the guaranteed portion up to $1,000,000, plus 3.75% of the guaranteed portion exceeding $1,000,000, up to the maximum loan amount.
The SBA uses a tiered fee structure for its upfront guaranty fee. For the guaranteed portion up to $1 million, a 3.5% fee applies. For any guaranteed portion exceeding $1 million, a higher fee of 3.75% is applied. These rates are subject to annual adjustments by the SBA.
A $2,000,000 loan has a 75% SBA guaranty ($1,500,000). The fee is 3.5% on the first $1,000,000 of the guaranteed portion ($35,000), plus 3.75% on the remaining $500,000 of the guaranteed portion ($18,750), totaling $53,750.
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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