For SBA lenders
Short answer
The SBA charges an annual servicing fee (often called the "on-going guaranty fee") to lenders, which is typically passed through to the borrower as part of the interest rate or a separate charge.
The SBA charges lenders an annual service fee on the outstanding guaranteed portion of the loan. This fee is stipulated in the annual fee notices (e.g., 7(a) Fees Effective During Fiscal Year 2026). While the fee is assessed to the lender, it is almost always recouped from the borrower through the interest rate or a separate charge permitted by SBA regulations.
For a $1,000,000 loan with a 75% guaranty, the lender is charged an annual servicing fee on $750,000. This fee is factored into the interest rate or charged as a separate annual fee to the borrower, usually paid quarterly.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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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