Glossary · The loan itself
In short
This is a one-time fee charged by the SBA to guarantee a portion of your 7(a) loan, reducing risk for the lender. It's a key part of your total project costs, usually financed into the loan.
The fee amount depends on the loan size and the guaranteed percentage. For a 7(a) loan, it's typically a percentage of the guaranteed portion, which is then passed on to you by the lender. You'll see this fee listed on your SBA Loan Authorization and it's factored into your overall funding.
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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