For SBA lenders
Short answer
The lender must remit the SBA upfront guaranty fee to the SBA's fiscal agent electronically within 90 days of loan approval, using the specific instructions provided by the SBA.
After the 7(a) loan closes, the lender is responsible for remitting the upfront guaranty fee, collected from the borrower, to the SBA's fiscal agent. This payment must be made electronically (typically via ACH) within 90 calendar days of the SBA's loan approval date (date of the SBA loan authorization). Failure to remit on time can result in penalties or a repair to the guaranty.
A 7(a) loan is approved by the SBA on January 15th and closes on February 1st. The lender must remit the upfront guaranty fee by April 15th (90 days from January 15th) using the SBA's designated electronic payment system.
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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