Glossary · The loan itself
Packaging fee
In short
This is a fee paid to the lender or a loan broker for preparing and submitting your SBA loan application. It covers the administrative work involved in compiling your financial and business documents.
What it means in a deal
Packaging fees are often included within the broader lender closing costs and can be financed. While a lender might charge a packaging fee, it must be reasonable and customary for the services provided. Verify what services this fee covers and ensure it doesn't overlap with other charges you're paying.
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 Packaging fee
- Can the lender charge an additional "packaging fee" on top of the SBA fees?
- Can I negotiate the lender's origination or packaging fee for my SBA 7(a) business acquisition loan?
- What are "packaging fees" and can they be included in an SBA 7(a) acquisition loan?
- 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?
- Are there annual servicing fees or other recurring charges beyond the SBA servicing fee?
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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