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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