SBA Guarantee Fee Calculator

Free SBA loan guarantee fee calculator using the official FY 2027 and FY 2026 schedules — 7(a) upfront fee by loan size, plus 504 and Express fees.

Loan

Gross loan amount ($)

Program

Fiscal year of approval

Maturity (months)

Guaranty

SBA guaranty percentage (%)

Set guaranty % automatically

Fee relief

Borrower category

Other 7(a) loan approved within 90 days ($, optional)

Results

SBA upfront guaranty fee

–

As % of the loan

–

on – guaranteed

Lender's annual service fee

–

per year at full balance — paid by the lender, cannot be passed to you

Loan net of fee if financed

–

fee is usually added to the loan

Upfront fee by loan size (, maturity over 12 months, standard guaranty)

Loan amount	Guaranty %	Guaranteed	Fee rate	Upfront fee	% of loan

How it is calculated

Upfront guaranty fee = guaranteed portion × fee rate. The guaranteed portion is the loan amount × SBA's guaranty percentage (typically 85% up to $150,000 and 75% above, capped at a $3.75 million guarantee). The fee rate depends on the gross loan amount — SBA-guaranteed and unguaranteed portions together — and on maturity: for maturities over 12 months in FY 2027, 2% of the guaranteed portion for loans of $150,000 or less, 3% for $150,001–$700,000, and 3.5% on the guaranteed portion up to $1,000,000 plus 3.75% on the guaranteed portion above $1,000,000 for loans of $700,001–$5,000,000. Short-term loans (12 months or less) pay 0.25%.

Fee relief in FY 2027: for loans of $700,000 or less to manufacturers (NAICS 31–33), the listed food supply-chain NAICS codes, or businesses located in a rural area, the upfront fee is 0%. SBA Express loans to veteran-owned businesses pay $0 upfront. In FY 2026 the relief was limited to manufacturers with loans of $950,000 or less. Multiple loans within 90 days are treated as one loan for the fee tier; the fee on the later loan is the combined fee minus what was paid on the first. WCP and EWCP loans use their own maturity-based schedule (0.25%–1.35%). 504 loans: upfront 0.50% and an annual service fee of 0.203% (0.204% for debt refinance without expansion), both waived for the same relief categories.

The lender's annual service fee (0.55% of the outstanding guaranteed balance in FY 2026 and FY 2027) is paid by the lender and by rule cannot be charged to the borrower; it is shown for context. Packaging fees, closing costs, interest and any lender fees are outside this calculator. Sources: 5000-881797 (PDF copy); 5000-881796 (PDF copy); 5000-872051 (PDF copy). Verified 2026-09-20.

Key points

The SBA upfront guaranty fee is charged on the guaranteed portion of the loan (usually 85% of loans up to $150,000, 75% above), at a rate set by the gross loan size: FY 2027 — 2% up to $150,000, 3% from $150,001 to $700,000, 3.5% on the first $1 million guaranteed plus 3.75% above for loans of $700,001 to $5 million.
New in FY 2027 (loans approved October 1, 2026 – September 30, 2027): a 0% upfront fee for loans of $700,000 or less to manufacturers (NAICS 31–33), the listed food supply-chain NAICS codes and businesses in rural areas. In FY 2026 the waiver covered manufacturers only, up to $950,000.
Short-term loans (12 months or less) pay 0.25%; SBA Express loans to veteran-owned businesses pay $0; WCP and EWCP loans use a maturity schedule from 0.25% to 1.35%.
The lender's annual service fee is 0.55% of the outstanding guaranteed balance in both FY 2026 and FY 2027 and by rule cannot be passed on to the borrower.
504 loans in FY 2027: 0.50% upfront and 0.203% annual (0.204% for debt refinance without expansion), both waived for the same relief categories.

Worked example

FY 2027 standard 7(a) loan, maturity over 12 months, default guaranty percentage (85% ≤ $150,000, 75% above, $3.75M cap), no fee relief.

Loan amount	Guaranteed portion	Fee rate	Upfront fee	% of loan
$150,000	$127,500	2%	$2,550	1.70%
$500,000	$375,000	3%	$11,250	2.25%
$1,000,000	$750,000	3.5%	$26,250	2.63%
$2,000,000	$1,500,000	3.5% / 3.75%	$53,750	2.69%
$5,000,000	$3,750,000	3.5% / 3.75%	$138,125	2.76%

The table uses default assumptions. Enter your own numbers in the calculator above.

Rates as of2026-09-20Last automated check2026-10-01Marketplace fee pages and related news are checked automatically every day; changes are reflected here.

Wrong result or a rate that changed? Report a bug in this tool · Report a rate change

Results are estimates for reference only. Actual fees depend on each marketplace's current policies, promotions, your account status and product attributes. Verify in your seller account before making decisions.

Frequently asked questions

What changed in the SBA guarantee fee for FY 2027?

The standard 7(a) tiers (2% / 3% / 3.5%+3.75%), the 0.25% short-term rate and the 0.55% annual service fee are unchanged from FY 2026. What changed is the fee relief: FY 2026 waived the upfront fee for manufacturers only, on loans up to $950,000; FY 2027 waives it for loans of $700,000 or less to manufacturers, food supply-chain businesses (listed NAICS codes) and businesses located in rural areas. Source: SBA Information Notice 5000-881797, published September 3, 2026.

Is the fee charged on the whole loan or the guaranteed part?

On the guaranteed portion only, but the rate tier is chosen by the gross loan amount. A $500,000 loan with a 75% guaranty pays 3% of $375,000 = $11,250, which is 2.25% of the loan.

Who pays the guarantee fee and when?

The lender pays it to SBA within 90 days of approval and may charge it to the borrower; it is normally financed into the loan. On loans of $150,000 or less the lender may retain up to 25% of the 2% fee. The annual service fee is different: the lender pays it and may not pass it to the borrower.

How does the 90-day rule work?

Two or more 7(a) loans approved for the same applicant (including affiliates) within 90 days are treated as one loan for the guaranty percentage and the fee tier. The later loan's fee equals the combined fee minus the fee paid on the first — never negative. WCP and EWCP loans are not combined with other loans for the fee.

Does a rural location qualify automatically?

For FY 2027 SBA determines rural status in E-Tran using Census Bureau data at the project address; the lender documents eligibility. This calculator applies the waiver when you select the category, so confirm eligibility with your lender before relying on a 0% fee.

Where do these numbers come from?

SBA Information Notices 5000-881797 (7(a) fees, FY 2027), 5000-881796 (504 fees, FY 2027) and 5000-872051 (7(a) fees, FY 2026), all published on sba.gov. Copies of the PDFs are linked on this page. Guaranty percentages follow SOP 50 10; your approval may differ.