SBA Guaranty Fee Calculator — Calculate SBA Loan Guarantee Fee [2026]
Calculate SBA loan guaranty fee based on loan amount, guaranteed portion, and loan term. Estimate upfront and annual service fees for 7(a) loans.
Max SBA 7(a): $5,000,000
SBA guarantees up to 85% for smaller loans
Real estate: up to 25 yrs; equipment: up to 10 yrs
Fee Tier Applied: Loans $150,001–$700,000 (term > 12 mo): 3.0% of guaranteed portion
SBA Guaranty Fee Breakdown
SBA 7(a) Fee Structure Reference
| Loan Amount | Term | Upfront Guaranty Fee |
|---|---|---|
| ≤ $150,000 | Any | 2.0% of guaranteed portion |
| Any amount | ≤ 12 months | 0.25% of guaranteed portion |
| $150,001 – $700,000 | > 12 months | 3.0% of guaranteed portion |
| $700,001 – $5,000,000 | > 12 months | 3.5% + 0.25% on guaranteed > $1M |
| Annual Service Fee (all loans) | 0.55% of guaranteed balance/year | |
What is SBA Guaranty Fee Calculator?
How to Use SBA Guaranty Fee Calculator
Enter your SBA 7(a) loan amount and select the SBA guaranteed percentage (75% for loans over $150,000 or 85% for loans $150,000 and under). Enter the loan term in years. The calculator applies the official SBA fee tiers to show the upfront guaranty fee, annual service fee, and total estimated fees over the loan term.
How SBA Guaranty Fee Calculator Works
Common Use Cases
- Estimating total SBA 7(a) loan costs before applying for small business financing
- Comparing SBA loan total cost versus conventional business loans
- Planning working capital needs including upfront SBA guaranty fees at closing
- Understanding ongoing annual service fees built into your SBA loan payments
- Evaluating whether the SBA guarantee program benefits outweigh the additional fee cost
Frequently Asked Questions
What is the SBA guaranty fee?▼
The SBA guaranty fee is a one-time upfront fee the SBA charges lenders for guaranteeing a portion of an SBA 7(a) loan. The lender typically passes this cost to the borrower. It is separate from the interest rate and other lender fees.
Who pays the SBA guaranty fee?▼
The SBA charges the guaranty fee to the lender, but lenders are permitted to pass the cost on to the borrower. In practice, borrowers almost always pay the guaranty fee, either upfront at closing or financed into the loan amount.
What is the annual service fee on an SBA loan?▼
SBA lenders pay an ongoing annual service fee of 0.55% of the outstanding guaranteed balance to the SBA. This is typically built into your interest rate or collected separately, increasing the effective cost of the loan each year.
Are SBA guaranty fees tax deductible?▼
SBA guaranty fees are generally treated as a loan origination cost and may be deductible as a business expense or amortized over the life of the loan. Consult a tax professional for guidance specific to your business situation.
Can SBA guaranty fees be waived?▼
The SBA occasionally waives or reduces guaranty fees as part of economic stimulus programs, particularly for small loans under $150,000 or loans to veterans. Check with an SBA-approved lender or the SBA website for current fee waiver programs.
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