Glossary · The loan itself
Lender fees
In short
Various charges imposed by the bank for processing, underwriting, and closing your SBA 7(a) loan. These are distinct from the SBA's guaranty fee.
What it means in a deal
Lender fees often include packaging fees, processing fees, and lender closing costs. These are typically financed into the loan or paid out of your equity injection as part of the total project costs. Always get a clear breakdown of all lender fees early in the process via the Loan estimate.
Official sources
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 Lender fees
- Can the lender charge application fees or underwriting fees in addition to the SBA guaranty fee?
- Can a lender include unapproved legal fees in a Universal Purchase Package (UPP)?
- Can I negotiate the interest rate or fees with my SBA 7(a) lender?
- Can the lender charge an additional "packaging fee" on top of the SBA fees?
- What are the typical government and lender fees associated with an SBA 7(a) loan?
- Does the SBA itself charge any direct fees to the borrower, or just the lender?
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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