Glossary · The loan itself
In short
This is a one-time fee charged by the SBA at the beginning of your loan, calculated as a percentage of the guaranteed portion of the loan. It helps fund the SBA program.
This fee is a non-negotiable cost of getting an SBA loan and is typically financed into your total loan amount. It's an important part of your total project costs, so account for it when calculating your required equity injection and overall deal structure.
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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