SBA Guaranty Fee Calculator
Enter a loan amount to see the SBA upfront guaranty fee under the fiscal year 2027 schedule, which applies to loans approved October 1, 2026 through September 30, 2027. It works for SBA Express and standard 7(a) loans, and it applies every exception SBA allows this year. Nothing is saved or sent; the math runs in your browser.
Program figures from SBA Information Notice 5000-881797 (FY2027 7(a) fees, effective October 1, 2026). The upfront fee is a percentage of the guaranteed portion, keyed to the gross loan amount. Your lender may pass it on to you. The annual service fee is the lender's cost and may not be passed to you. A program estimate, not a quote.
FY2027 SBA guaranty fee schedule
The fee is charged on the guaranteed portion of the loan, not the whole loan, and the tier is set by the gross loan amount. For loans with a maturity over 12 months approved October 1, 2026 through September 30, 2027:
| Gross loan amount | Upfront fee, share of the guaranteed portion |
|---|---|
| $150,000 or less | 2% (the lender may keep up to a quarter of it) |
| $150,001 to $700,000 | 3% |
| $700,001 to $5,000,000 | 3.5% on the first $1,000,000 guaranteed, plus 3.75% on the guaranteed amount above $1,000,000 |
| Any size, maturity of 12 months or less | 0.25% |
Source: SBA Information Notice 5000-881797, published September 3, 2026, effective October 1, 2026.
Worked examples
- A $500,000 SBA Express loan: SBA guarantees 50%, or $250,000. 3% of $250,000 is a $7,500 fee, 1.5% of the loan.
- A $150,000 standard 7(a) loan: SBA guarantees 85%, or $127,500. 2% of that is $2,550.
- A $1,000,000 standard 7(a) loan: SBA guarantees 75%, or $750,000. 3.5% of that is $26,250.
- A $5,000,000 standard 7(a) loan: the guaranty tops out at $3,750,000. 3.5% of the first $1,000,000 is $35,000 and 3.75% of the remaining $2,750,000 is $103,125, for $138,125.
Who pays no upfront fee in FY2027
Three groups pay 0%:
- Veteran-owned businesses on SBA Express loans. The Small Business Act sets the fee at $0 for any SBA Express loan to a business owned and controlled by a veteran or a veteran's spouse. The waiver covers SBA Express only; a standard 7(a) loan to the same business pays the normal fee. See SBA Express loans for veterans.
- Manufacturers, food supply chain businesses, and rural businesses, on loans of $700,000 or less. Manufacturers are NAICS sectors 31 to 33. The food supply chain list covers specific crop, animal production, fishing, farm support, wholesale, grocery, refrigerated trucking and warehousing codes named in the notice. Rural means the business is located in a rural area.
Every SBA Express loan is under the $700,000 line, so an Express borrower in any of those groups pays no upfront fee at all.
Who pays which fee
The upfront fee is owed by the lender to SBA, and the lender may pass it on to you, usually by adding it to the loan or collecting it at closing. On loans of $150,000 or less the lender may keep up to 25% of the fee. The lender's annual service fee, 0.55% of the outstanding guaranteed balance in FY2027, is the lender's own cost and may not be charged to you.
Two loans to the same business, or its affiliates, approved within 90 days of each other are treated as one loan for the fee, so splitting a request does not lower it.
Related tools
To see the payment, the fee and today's maximum rate together, use the SBA Express payment calculator. Rate caps are on SBA Express loan terms, and program-wide numbers on SBA Express loan statistics. When you want real figures from lenders, tell us what the business needs.
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