Glossary · The loan itself
In short
This is an annual fee paid by the lender to the SBA for the privilege of making an SBA-guaranteed loan. The lender passes this cost on to you, the borrower.
It's typically a percentage of the outstanding guaranteed portion of your loan. This fee is factored into your total loan cost, often built into your interest rate or charged separately. Understand how your lender presents this fee, as it impacts your effective interest rate.
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.
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