Glossary · Doing the deal
Packaging Fees
In short
These are fees charged by a loan packager or broker to help you prepare and submit your SBA loan application. Buyers care because these are part of your total closing costs and can impact your out-of-pocket expenses.
What it means in a deal
Packaging fees are an allowable expense that can be financed into your SBA 7(a) loan, up to a certain limit set by the SBA. Make sure you understand what services are included and compare costs, as they vary. Confirm the fee is reasonable and disclosed 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 Packaging Fees
- Can the lender charge an additional "packaging fee" on top of the SBA fees?
- What are "packaging fees" and can they be included in an SBA 7(a) acquisition loan?
- Can I negotiate the lender's origination or packaging fee for my SBA 7(a) business acquisition loan?
- Besides upfront fees, are there ongoing annual fees for an SBA 7(a) loan?
- Can the lender charge application fees or underwriting fees in addition to the SBA guaranty fee?
- Can professional fees incurred during the due diligence phase, like attorney or accountant fees, count towards my equity injection?
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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