Glossary · The loan itself
SBA Fee Schedule(Upfront guaranty fee)
In short
The set of fees the SBA charges lenders for their guarantee, which lenders typically pass on to you as the borrower. These fees vary based on the loan amount and maturity.
What it means in a deal
You'll pay an upfront guaranty fee that's a percentage of the guaranteed portion of your loan. This fee is a significant part of your total project costs and can often be financed into the loan itself, so factor it into your capital stack.
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 SBA Fee Schedule
- Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?
- What is the purpose of the annual service fee (on-going guaranty fee) for an SBA 7(a) loan?
- What is the typical range for the SBA 7(a) loan processing fee (upfront guaranty fee) for an acquisition loan?
- What is the process for a lender to remit the upfront guaranty fee and annual service fee to the SBA?
- When is the ongoing SBA servicing fee (annual service fee) for a 7(a) loan typically collected from the lender?
- How does a lender calculate the ongoing servicing fee (annual service fee) due to the SBA for a 7(a) 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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