Glossary · The loan itself
In short
This is an annual fee charged by the SBA to the lender for their guarantee, which the lender passes directly to you, the borrower. It's a recurring cost that adds to your overall loan expense.
The ongoing servicing fee is a percentage of the outstanding guaranteed portion of your loan, currently 0.34% for most loans. It's typically included in your monthly payment. Factor this into your total project costs and future debt service calculations, as it's a fixed cost for the life of the loan.
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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