SBA 7(a) Q&A
Short answer
As a borrower, you will typically pay an upfront SBA guaranty fee, potentially an ongoing servicing fee, and customary lender closing costs.
The primary fee is the SBA guaranty fee, paid upfront and calculated as a percentage of the guaranteed portion of the loan. Some lenders may also charge an ongoing servicing fee. Additionally, standard closing costs, such as legal fees, appraisal fees, and environmental reports, are generally passed on to the borrower.
For a $750,000 SBA 7(a) loan with an 85% guarantee, the upfront SBA fee would be calculated on $637,500. For FY2026, this could be around 2.5% to 3.0% of the guaranteed amount, plus other 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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