What is the SBA guaranty fee for fiscal year 2027?
Short answer
On 7(a) loans up to $150,000, the FY2027 fee is 2% of the guaranteed portion. From there to $700,000 it is 3% of the guaranteed portion. Larger loans pay more. SBA Information Notice 5000-881797 covers approvals October 1, 2026 through September 30, 2027.
SBA Information Notice 5000-881797 (p. 2) sets the Upfront Fee, also called the SBA Guaranty FeeA fee SBA charges on the guaranteed part of a loan. The lender pays it and may pass it to you. Full definition, for 7(a) loans approved October 1, 2026 through September 30, 2027. The gross loan amount picks the tier. The percentage applies to the guaranteed portion.
- $150,000 or less: 2% of the guaranteed portion. The lender may retain no more than 25% of the fee.
- $150,001 to $700,000: 3% of the guaranteed portion
- $700,001 to $5,000,000: 3.5% of the guaranteed portion up to $1,000,000, plus 3.75% of the guaranteed portion over $1,000,000
- Maturity of 12 months or less: 0.25% of the guaranteed portion
Worked examples
- $100,000 at an 85% guaranty: 2% of $85,000 is $1,700 (SOP 50 10 8.1, Section A, Chapter 4, Para. C.1.a).
- $500,000 at a 75% guaranty: 3% of $375,000 is $11,250.
- $5,000,000 at a 75% guaranty: $35,000 plus $103,125 is $138,125 (same SOP paragraph).
Exceptions
Some loans pay less. Manufacturers, listed food businesses and rural businesses pay 0% on loans of $700,000 or less. SBA Express loans to veteran-owned businesses pay nothing. Export Working CapitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition Program (EWCP) and Working Capital Pilot loans have their own schedules by maturity.
Whether the lender passes the fee to you varies by lender.
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