Glossary · The loan itself
Origination Fees
In short
Fees charged by the lender for processing and closing your loan. These add to your total project costs, so know what you're paying.
What it means in a deal
Lenders charge origination fees to cover their administrative costs. The SBA limits what lenders can charge, usually as a percentage of the loan amount, and these are often financed into the loan. Always get a clear breakdown of all fees upfront.
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 Origination Fees
- Can the lender charge their own separate processing or origination fees for an SBA 7(a) loan?
- What specific actions by a lender during loan origination would typically lead to a guaranty denial?
- What are common eligibility failures during origination that lead to an outright denial of the SBA guaranty?
- How does the SBA determine if a lender has met the "prudent lending standards" requirement during loan origination?
- Can I negotiate the lender's origination or packaging fee for my SBA 7(a) business acquisition loan?
- What are the most frequent reasons the SBA denies a 7(a) guaranty purchase request due to lender errors during origination?
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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