Glossary · The loan itself
Additional guaranty fee
In short
This is an upfront fee charged by the SBA to guarantee a portion of your 7(a) loan, beyond the standard fees. It's often required for loans exceeding a certain size, increasing your total project costs.
What it means in a deal
For larger SBA 7(a) loans, an additional guaranty fee applies, increasing the total upfront cost of your financing. This fee is typically rolled into your total project costs and financed as part of the loan, so it doesn't usually require an additional out-of-pocket payment at closing.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Additional guaranty fee
- Is an additional SBA guaranty fee charged when a 7(a) loan amount is increased post-authorization?
- Can the lender charge an additional "packaging fee" on top of the SBA fees?
- Is an additional guaranty fee required if a 7(a) loan amount is increased after the initial authorization?
- Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?
- Can the lender charge application fees or underwriting fees in addition to the SBA guaranty fee?
- Beyond the upfront guaranty fee, what other ongoing fees or charges are associated with an SBA 7(a) loan?
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
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