Seller guides

SBA's FY 2027 7(a) and 504 upfront fee rates effective October 1, 2026, the new 0% fee for rural and manufacturing loans, plus worked examples.

SBA 504 loan fees for FY 2027, effective October 1, 2026: the 0.50% upfront guaranty fee, the 0.203% annual service fee, the fee waiver for manufacturers and rural businesses, and how 504 differs from 7(a).

How SBA's 7(a) upfront guaranty fee is figured for FY 2027: it is a percent of the guaranteed portion, not the whole loan. The tier rates, the guaranty percentage, and four worked examples from $50,000 to $2 million.

Every fee Amazon charges an FBA seller in the US in 2026, with the current rates, how each one is calculated, and a worked example from $24.99 down to net profit.

Every Amazon.com referral fee category and its 2026 rate, the $0.30 minimum, and how tiered categories like clothing and jewelry are calculated.

How Amazon's monthly storage fee is calculated per cubic foot, the January–September and October–December rates, the peak-season fulfillment table, aged-inventory and utilization surcharges, and a plan for Q4 inventory.

When Amazon's fulfillment fee beats shipping the order yourself, and when it does not: FBA vs FBM cost per unit for small, medium and heavy items, the hidden costs on each side, and the volume at which each option wins.

Every Etsy seller fee for 2026: $0.20 listing, 6.5% transaction, payment processing by country, and Offsite Ads — with a worked $25 example.

How Etsy's Offsite Ads fee works in 2026 (15% under $10,000 in sales, 12% and mandatory above), what an attributed order really nets, the price at which an ad-attributed order still breaks even, and a decision rule for shops that can still opt out.

eBay's 2026 selling fees for US sellers: final value fee by category (13.6% for most), the $0.30/$0.40 per-order fee, insertion fees, promoted listings, the international fee, and what changes with a store subscription.

Shopify's 2026 plan prices (Basic $25, Grow $65, Advanced $399, Plus from $2,300), Shopify Payments card rates, third-party gateway fees, the volume at which each plan pays off, and the hidden costs beyond the plan.

The same $30 product run through the 2026 fee schedules of Amazon FBA and FBM, Etsy, eBay and Shopify, with net profit per order for each — and the traffic, returns and effort differences the fee tables leave out.

How to set a selling price that hits a target margin when fees are a percentage of the price: the algebra, the fixed-fee correction for Amazon FBA, Etsy and eBay, worked examples, and the multipliers that actually work in 2026.

How to calculate your break-even ACoS and target ACoS from your margin before ads, the difference between ACoS, ROAS and TACoS, a max-bid formula from conversion rate, and worked examples with 2026 FBA fees.

A return costs far more than the refund: outbound shipping, ad spend, fees the platform keeps, return postage and unsellable stock. How to turn a return rate into an expected profit per order, the break-even return rate, and how Amazon, eBay, Etsy and Shopify treat fees on refunds.

How to calculate the landed cost of a product imported into the United States: FOB value, freight and insurance, HTS duty, additional tariffs, the merchandise processing and harbor maintenance fees, brokerage and inland delivery — with a worked example and the mistakes that make factory quotes misleading.

How Amazon's 14-day disbursement and delivery-date reserve work, how Etsy, eBay and Shopify pay out by comparison, and a simple way to size inventory so that fees, restocking and the payout lag do not run you out of cash.