For SBA lenders
Short answer
Yes, if a 7(a) loan amount is increased post-authorization, an additional SBA guaranty fee will be charged on the incremental increase in the guaranteed portion of the loan.
The SBA guaranty fee is calculated based on the guaranteed portion of the loan amount at the time of authorization. If the loan amount is subsequently increased, the lender must calculate and pay an additional guaranty fee on the increased guaranteed amount. This ensures the SBA is compensated for the increased exposure.
A lender receives authorization for a $500,000 7(a) loan with an 85% guaranty ($425,000 guaranteed). If the borrower later needs an additional $100,000, and the loan is increased to $600,000 with an 85% guaranty ($510,000 guaranteed), an additional guaranty fee will be applied to the $85,000 increase in the guaranteed portion.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
7(a) Fees Effective During Fiscal Year 2026
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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