SBA 7(a) Q&A
Short answer
For a $750,000 SBA 7(a) loan, the upfront guaranty fee depends on the guaranteed portion of the loan and is calculated as a percentage based on current fiscal year rates.
The upfront guaranty fee is a one-time fee calculated on the guaranteed portion of the loan. For loans up to $1,000,000, the SBA guarantees 85%. The fee rates are set annually by the SBA. For example, for FY2026, the fee for the guaranteed portion between $150,000 and $700,000 is 3.0%, and for the guaranteed portion between $700,000 and $5,000,000, it's 3.5%.
For a $750,000 loan, the guaranteed portion is $637,500 (85% of $750,000). The fee would be calculated based on the FY2026 schedule: (3.0% of $637,500) if it falls within the applicable tier. Assuming the 3.0% rate for this tranche, the fee would be $19,125.
Insider move
Lenders must use the correct fiscal year's fee schedule and accurately calculate the guaranteed portion and the corresponding fee. This fee is collected from the borrower and remitted to the SBA.
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SBA 7(a) Loan Guaranty Fee Calculator
7(a) Fees Effective During Fiscal Year 2026
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. 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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