SBA loan basics
Short answer
The main fees for an SBA 7(a) loan at closing typically include an upfront SBA guaranty fee, a packaging fee (if applicable), and standard third-party closing costs.
The SBA charges an upfront guaranty fee, which is a percentage of the guaranteed portion of the loan, payable by the borrower to the SBA. Lenders can also charge a reasonable packaging fee for their services. Additionally, borrowers are responsible for standard closing costs such as legal fees, appraisals, environmental reports, and title insurance.
For a $500,000 loan with an 85% SBA guaranty, the borrower might pay a 2.25% guaranty fee on $425,000 (the guaranteed portion), amounting to $9,562.50. Added to this would be a packaging fee of around 1-2% of the loan amount, plus various third-party costs.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Fees Effective During Fiscal Year 2026
SBA 7(a) Loan Guaranty Fee Calculator
SOP 50 10 - Lender and Development Company Loan Programs
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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