SBA 7(a) Q&A
Short answer
The primary fees for an SBA 7(a) loan include an upfront SBA guaranty fee, an ongoing annual servicing fee, and potentially lender packaging or closing fees.
The SBA charges an upfront guaranty fee, which is a percentage of the guaranteed portion of the loan, and an ongoing annual servicing fee. Lenders may also charge reasonable and customary fees for packaging, application, or closing, which are subject to SBA limits.
For a $1,000,000 loan with an 85% SBA guarantee, the upfront fee might be 3.5% of the guaranteed portion, or $29,750 (0.035 * $850,000). There would also be an ongoing servicing fee, currently 0.34% of the outstanding guaranteed balance.
Insider move
Lenders clearly disclose all fees to the borrower, ensuring they comply with SBA maximums and are transparent. They collect the SBA fees and remit them to the agency.
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
SBA 7(a) Loan Guaranty Fee Calculator
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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