For SBA lenders
Short answer
For FY2026, the upfront guaranty fee rates vary based on the loan amount and guaranteed portion, with specific tiers for loans up to $150,000 and those above, and a waiver for loans up to $500,000 for certain programs.
The SBA charges an upfront guaranty fee to lenders, which is typically passed on to the borrower. These fees are established annually by Congress and are crucial for funding the program's operations. The fee structure is tiered based on the loan amount and the guaranteed percentage.
For a $750,000 7(a) loan with a 75% guaranty, the lender consults the FY2026 fee schedule. It finds that the fee structure includes a percentage for the first $1 million and a different percentage for the amount over $1 million, applied to the guaranteed portion.
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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