Glossary · The loan itself
In short
This is an upfront fee charged by the SBA to guarantee a portion of your 7(a) loan, beyond the standard fees. It's often required for loans exceeding a certain size, increasing your total project costs.
For larger SBA 7(a) loans, an additional guaranty fee applies, increasing the total upfront cost of your financing. This fee is typically rolled into your total project costs and financed as part of the loan, so it doesn't usually require an additional out-of-pocket payment at closing.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Defined by DealRoom.so SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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