For SBA lenders
Short answer
The ongoing SBA servicing fee is collected by the SBA annually via an ACH debit from the lender's account, typically shortly after the start of each fiscal year, based on the outstanding principal balance.
Lenders pay an annual service fee to the SBA for the guaranteed portion of 7(a) loans. This fee is calculated on the outstanding principal balance as of a specific date (e.g., September 30th) and debited from the lender's account. Lenders typically pass this cost onto the borrower as part of their loan servicing.
For a $1,000,000 7(a) loan with an 85% guaranty, if the outstanding principal balance on September 30th is $900,000, the SBA would calculate the annual service fee on the $765,000 guaranteed portion and debit the lender's account in October.
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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