For SBA lenders
Short answer
For 7(a) loans exceeding $1,000,000, the upfront guaranty fee is a tiered calculation: 3.5% on the guaranteed portion up to $1,000,000, plus 3.75% on the guaranteed portion exceeding $1,000,000.
The SBA uses a tiered fee structure. For larger loans, the fee is not a flat percentage of the total guaranteed amount. The first tier of the guaranteed portion (up to $1,000,000) has one rate, and any guaranteed amount above that has a slightly higher rate. This calculation applies to the guaranteed portion, not the total loan amount.
A $2,000,000 7(a) loan with an 85% SBA guaranty ($1,700,000 guaranteed). The fee would be (3.5% of $1,000,000) + (3.75% of the remaining $700,000 guaranteed portion) = $35,000 + $26,250 = $61,250.
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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