SBA 7(a) Q&A
Short answer
Yes, the upfront SBA guaranty fee can typically be financed and rolled into the total SBA 7(a) loan amount.
The SBA allows the upfront guaranty fee, which is a one-time charge paid to the SBA by the lender, to be included in the financed amount of the loan. This helps reduce the immediate out-of-pocket costs for the borrower.
If a $1,000,000 loan has an upfront guaranty fee of 3.5% ($35,000), the total loan amount could be $1,035,000, with the fee financed over the life of the loan.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 - Lender and Development Company Loan Programs
7(a) Fees Effective During Fiscal Year 2026
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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