Glossary · Doing the deal
Fee structure
In short
This refers to all the costs and charges associated with obtaining and maintaining your SBA 7(a) loan. Understanding it helps you budget accurately for the deal.
What it means in a deal
The fee structure for an SBA 7(a) loan includes the upfront guaranty fee, ongoing servicing fee, lender closing costs, and sometimes packaging or legal fees. These are part of your total project costs. Review the SBA Loan Authorization carefully to understand all fees you'll pay.
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 Fee structure
- How does the purchase agreement structure affect an SBA partner buyout?
- Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?
- Can I change my business structure after getting an SBA 7(a) loan?
- What is the purpose of the annual service fee (on-going guaranty fee) for an SBA 7(a) loan?
- How does seller financing structure impact the required equity injection for a business acquisition?
- What is the typical range for the SBA 7(a) loan processing fee (upfront guaranty fee) for an acquisition 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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