For SBA lenders
Short answer
The upfront SBA guaranty fee is typically collected from the borrower at or before loan closing and must be remitted by the lender to the SBA within 90 days of loan approval.
The upfront guaranty fee is a one-time charge paid by the borrower to the SBA for the guaranty. Lenders collect this fee at closing and are responsible for remitting it to the SBA. The SBA mandates remittance within 90 days of the date the SBA provides its loan number (approval), even if the loan has not yet fully disbursed.
A 7(a) loan for $1,000,000 is approved by the SBA on January 15th, and the guaranty fee is $25,000. The lender closes the loan on February 28th and collects the fee from the borrower. The lender must remit the $25,000 to the SBA by April 15th (90 days from approval date).
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
SBA 7(a) Loan Guaranty Fee Calculator
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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