For SBA lenders
Short answer
Yes, if a 7(a) loan amount is increased after initial authorization, an additional guaranty fee is required for the incremental increase in the guaranteed portion of the loan.
The SBA guaranty fee is calculated based on the total guaranteed portion of the loan. If the loan amount is increased, the guaranteed portion also increases, triggering an additional fee calculation for that increment. This fee is calculated based on the current fee schedule at the time the increase is authorized by the SBA.
A $1,500,000 7(a) loan (75% guaranteed) is authorized. Later, an amendment increases the loan by $200,000. The guaranteed portion increases by $150,000 (75% of $200,000). The lender calculates and collects an additional guaranty fee on this $150,000 increment, based on the prevailing fee schedule.
Insider move
Lenders must be diligent in tracking and collecting any additional guaranty fees for loan increases. Failure to do so can result in uncollected fees, impacting the lender's cost recovery and adherence to SBA policy.
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.
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