SBA loan basics
Short answer
The primary fee for an SBA 7(a) loan is the upfront SBA guaranty fee, which is paid to the SBA, plus an annual servicing fee, and potential lender fees like packaging fees.
The SBA charges an upfront guaranty fee to the lender, which is typically passed on to the borrower. This fee varies based on the guaranteed portion of the loan and the loan amount. There's also an ongoing annual servicing fee paid to the SBA. Lenders may also charge reasonable packaging or application fees, which must be disclosed to the borrower.
For a $500,000 SBA 7(a) loan, the upfront SBA guaranty fee for FY2026 might be around 3.5% on the guaranteed portion (e.g., 75%), which the borrower pays at closing. An additional annual servicing fee of 0.55% of the outstanding guaranteed balance would also apply.
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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