SBA loan basics
Short answer
The primary fees associated with an SBA 7(a) loan are the upfront SBA guaranty fee and a small ongoing annual servicing fee. Lenders may also charge reasonable packaging or closing fees.
The SBA charges a one-time guaranty fee to the lender, which is typically passed on to the borrower, and a yearly servicing fee for the life of the loan. These fees help offset the costs of the program.
For a $500,000 loan, the upfront SBA guaranty fee might be around 3.5% for the guaranteed portion ($375,000), resulting in about a $13,125 fee. The annual service fee is generally 0.34% of the outstanding guaranteed balance.
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
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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