SBA loan basics
Short answer
Yes, borrowers typically pay an upfront SBA guaranty fee, which is a percentage of the guaranteed portion of the loan. This fee is usually rolled into the loan amount.
The SBA charges an upfront guaranty fee, which is calculated based on the loan amount and the guaranteed portion. This fee supports the SBA's operations and helps cover potential losses. The amount varies based on the loan size and fiscal year, but it is typically financed into the loan, meaning the borrower doesn't pay it out-of-pocket at closing.
For a $500,000 loan, with a 75% SBA guaranty, and a 2.5% upfront fee rate on the guaranteed portion, the fee would be approximately $9,375. This amount would be added to the $500,000 loan, making the total principal $509,375.
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 2026-06-14. 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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