SBA Guarantee Fee

To offset the costs of its loan programs, SBA charges lenders a guaranty fee and a servicing fee for each loan approved and disbursed. The amount of the fees is based on the guaranteed portion of the loans. The lender may charge the upfront guaranty fee to the borrower after the lender has paid the fee to SBA and has made the first disbursement of the loan. The lender’s annual service fee to SBA cannot be charged to the borrower.