Glossary · The loan itself
In short
These are the various fees and expenses you pay at the loan closing to finalize your SBA 7(a) loan. As a buyer, you care because these costs are part of your total project costs and affect your required equity injection.
SBA loan closing costs typically include the SBA upfront guaranty fee, lender closing costs (packaging, legal, environmental, appraisal fees), and title/escrow fees. These costs are usually financed into the SBA loan but still count towards the total project cost, impacting the minimum cash injection you need to bring to the table. Make sure your pro forma includes all of these.
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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