SBA 7(a) Q&A
Short answer
SBA 7(a) loans involve an upfront SBA guaranty fee, an ongoing servicing fee, and customary lender closing costs like packaging fees and appraisal costs.
The primary fees include an upfront guaranty fee paid to the SBA, typically a percentage of the guaranteed portion of the loan, which varies based on loan size and term. There's also an annual servicing fee. Lenders can charge reasonable packaging, legal, and appraisal fees.
For a $1,000,000 loan with an 80% SBA guaranty, a borrower might pay an upfront guaranty fee of around $25,000-$30,000, plus typical third-party closing costs.
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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