Glossary · The loan itself
SBA Servicing Fee
In short
This is an annual fee paid by the lender to the SBA for the privilege of making an SBA-guaranteed loan. The lender passes this cost on to you, the borrower.
What it means in a deal
It's typically a percentage of the outstanding guaranteed portion of your loan. This fee is factored into your total loan cost, often built into your interest rate or charged separately. Understand how your lender presents this fee, as it impacts your effective interest rate.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about SBA Servicing Fee
- Are there annual servicing fees or other recurring charges beyond the SBA servicing fee?
- Are there any other lender-specific fees beyond the SBA guaranty fee and ongoing servicing fee?
- How is the ongoing servicing fee calculated and remitted 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?
- How does the ongoing servicing fee affect the annual percentage rate (APR) calculation 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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