SBA Resources · FY2026 Schedule (updated July 2026)
SBA Guaranty Fee Calculator
The exact FY2026 upfront fee on your 7(a) loan, computed on the guaranteed portion, the way the SBA actually charges it.
For FY2026 (October 2025 – September 2026), the SBA 7(a) upfront guaranty fee is 2% of the guaranteed portion for loans up to $150,000 (85% guaranty), 3% for $150,001–$700,000 (75% guaranty), and 3.5% of the guaranteed portion up to $1 million plus 3.75% above it for larger loans. Source: SBA Procedural Notice 5000-872051.
Written by Thomas Hartwell, author of the FUNDED series of industry-specific SBA lending guides.
FY2026 Guaranty Fee Calculator
7(a) maximum is $5,000,000. For loans with terms of 12 months or less, a different short-term fee applies.
FY2026 SBA 7(a) Upfront Guaranty Fee Schedule
The fee applies to the guaranteed portion, not the full loan. SBA guarantees 85% of loans up to $150,000 and 75% of larger 7(a) loans, so the effective cost on the total loan runs roughly 1.7% to 2.8% depending on size. The schedule below is FY2026 per Notice 5000-872051.
| Loan Amount | SBA Guaranty | Fee (on guaranteed portion) |
|---|---|---|
| Up to $150,000 | 85% | 2% |
| $150,001 – $700,000 | 75% | 3% |
| $700,001 – $5,000,000 | 75% | 3.5% of guaranteed portion to $1M, then 3.75% above $1M |
Worked Examples
| Loan | Guaranteed Portion | FY2026 Fee | Effective % of Loan |
|---|---|---|---|
| $150,000 | $127,500 (85%) | $2,550 | 1.70% |
| $350,000 | $262,500 (75%) | $7,875 | 2.25% |
| $700,000 | $525,000 (75%) | $15,750 | 2.25% |
| $1,000,000 | $750,000 (75%) | $26,250 | 2.63% |
| $2,000,000 | $1,500,000 (75%) | $53,750 | 2.69% |
| $5,000,000 | $3,750,000 (75%) | $138,125 | 2.76% |
How the SBA Guaranty Fee Is Calculated
- Find the guaranty percentage, 85% for loans of $150,000 or less, 75% for larger 7(a) loans.
- Compute the guaranteed portion, loan amount × guaranty percentage. This is the fee base.
- Apply the FY2026 tier rate, 2% (loans ≤$150k), 3% ($150,001–$700k), or for larger loans 3.5% on the first $1M of guaranteed portion plus 3.75% on the rest.
- Decide how to pay it, most borrowers finance the fee into the loan; remember it then adds to your debt service and belongs in your DSCR math.
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Frequently Asked Questions
How much is the SBA guaranty fee in FY2026?
For FY2026 (October 2025 – September 2026), loans of $150,000 or less pay 2% of the guaranteed portion (85% guaranty). Loans of $150,001 to $700,000 pay 3% of the guaranteed portion (75% guaranty). Loans above $700,000 pay 3.5% of the guaranteed portion up to $1 million plus 3.75% of the guaranteed portion above $1 million. Source: SBA Procedural Notice 5000-872051.
Is the SBA guaranty fee charged on the whole loan or the guaranteed portion?
The guaranteed portion only. SBA guarantees 85% of loans up to $150,000 and 75% of larger 7(a) loans, and the fee percentages apply to that guaranteed slice, not the full loan amount. On a $500,000 loan, the fee base is $375,000 (75%), so the FY2026 fee is $11,250, about 2.25% of the total loan.
Can the SBA guaranty fee be financed into the loan?
Yes. The upfront guaranty fee is typically financed into the loan rather than paid out of pocket, and lender loan packages usually capitalize it alongside closing costs. It still increases your loan balance and debt service, so include it when you run your DSCR numbers.
Does the SBA ever waive the guaranty fee?
In some prior fiscal years the SBA waived or reduced fees on smaller loans, but the FY2026 schedule applies fees at every tier, including 2% on loans up to $150,000. Fee schedules reset every SBA fiscal year (October 1), so always confirm against the current fiscal-year notice, this page tracks FY2026 per Notice 5000-872051.