Glossary · The loan itself
In short
This is a one-time fee paid to the SBA by the lender, but usually passed on to you, to cover the cost of the SBA's guarantee on a portion of your loan. It's a percentage of the guaranteed amount.
The SBA guaranty fee can be financed into your loan, increasing your total project costs. The fee amount varies based on the loan size and guaranteed portion. It's a significant closing cost, so factor it into your equity injection and total funding needs.
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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