SBA loan basics
Short answer
Yes, in addition to the upfront SBA guaranty fee, there is typically an ongoing annual servicing fee (also called a 'charge' or 'on-going fee') that lenders pay to the SBA, which is often passed on to the borrower.
The SBA charges an annual servicing fee to lenders for the guaranteed portion of outstanding 7(a) loans. This fee, calculated as a percentage of the outstanding guaranteed balance, is usually passed on to the borrower as part of their interest rate or as a separate charge, but it is typically not an additional fee on top of the contracted interest rate.
If a borrower has an outstanding balance of $300,000 on an SBA loan with an annual servicing fee of 0.55%, the lender would pay approximately $1,650 annually to the SBA, which is factored into the borrower's loan cost.
Lenders factor this annual fee into their pricing model when setting interest rates for SBA loans. They ensure transparency with borrowers about how this fee impacts their total loan cost.
7(a) Fees Effective During Fiscal Year 2026
SOP 50 10 - Lender and Development Company Loan Programs
FY 2026 Updated Fee Schedule for SBA Oversight of 7(a) Lenders
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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