Glossary · The loan itself
In short
This is the percentage used to calculate various fees associated with your SBA 7(a) loan, such as the upfront guaranty fee. It directly impacts your total project costs.
The SBA charges an upfront guaranty fee to the lender, which is typically passed on to you, the borrower. This fee rate varies based on the loan amount and loan term, and it can be financed as part of your total project costs. Factor this into your deal budget.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
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.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day