Glossary · The loan itself
In short
The set of fees the SBA charges lenders for their guarantee, which lenders typically pass on to you as the borrower. These fees vary based on the loan amount and maturity.
You'll pay an upfront guaranty fee that's a percentage of the guaranteed portion of your loan. This fee is a significant part of your total project costs and can often be financed into the loan itself, so factor it into your capital stack.
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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