Glossary · Doing the deal
Tiered fee schedule
In short
A fee structure where the percentage or amount charged changes based on the loan amount or other specified thresholds. This impacts your total upfront costs.
What it means in a deal
The SBA's guaranty fee often follows a tiered fee schedule, with different percentages applied to various portions of the loan amount. Your lender closing costs might also be structured this way. Understand how these fees are calculated, as they are part of your total project costs and equity injection requirements.
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 Tiered 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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