SBA loan basics
Short answer
Yes, the SBA charges an upfront guaranty fee and an ongoing annual servicing fee, which are typically passed on to the borrower by the lender.
The upfront guaranty fee is a one-time charge calculated as a percentage of the guaranteed portion of the loan, paid at loan closing. Its rate varies based on the loan amount. Additionally, the SBA charges an annual servicing fee, also calculated as a percentage of the outstanding guaranteed balance, which is paid by the lender but typically recouped from the borrower throughout the loan term.
For a $750,000 SBA 7(a) loan with a 75% guarantee, the upfront fee might be calculated on $562,500 (75% of $750,000). If the fee rate is 3.5%, the borrower pays $19,687.50 at closing. Annually, a servicing fee (e.g., 0.55%) is paid on the declining guaranteed balance.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Fees Effective During Fiscal Year 2026
SOP 50 10 - Lender and Development Company Loan Programs
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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This page answers “Are there any upfront or annual fees charged by the SBA for their guarantee?” for SBA 7(a) business buyers — a short answer, the detail, and official sources — from DealRoom.so SBA Intelligence. It is general information, not legal, tax, or financial advice, and DealRoom is not a lender.
Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.
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