September 4, 2026

SBA has issued Information Notice 5000-881797, 7(a) Fees Effective October 1, 2026 for Fiscal Year 2027 and 90-Day Rule Clarification (published September 3, and effective October 1, 2026).  

Subject to the exceptions noted below, the general 7(a) loan program fees for FY 2027 are as follows: 

Lender’s Annual Service Fee

  • 0.55% (55 basis points) of the guaranteed portion of the outstanding balance of the loan.

SBA Guaranty Fee (Upfront Fee) [excluding Export Working Capital Program (EWCP) loans, Working Capital Program (WCP) loans and SBA Express loans made to veteran-owned businesses]:

For loans with maturities over 12 months –

  • For loans of $150,000 or less – 2% of the guaranteed portion of the loan (lender may retain no more than 25% of the fee).
  • For loans of $150,001 to $700,000 – 3% of the guaranteed portion of the loan.
  • For loans of $700,001 to $5 million, 3.5% of the guaranteed portion of the loan up to and including $1 million, plus 3.75% of the guaranteed portion over $1 million.

For loans with maturities of 12 months or less – 0.25% of the guaranteed portion of the loan.

EXCEPTIONS

  • Fees as detailed in the notice for Export Working Capital Program (EWCP) loans, Working Capital Program (WCP) loans. 
  • 0% for SBA Express loans made to veteran-owned businesses (by statute).  
  • 0% for loans of $700,000 or less made to –
  • Manufacturers (NAICS sectors 31-33)
  • Food supply chain businesses (NAICS Codes 1111,1112, 1113, 1121, 1122, 1123, 1124, 1125, 1129, 1141, 1151, 1152, 423820, 4244, 4245, 424910, 445110, 484220*, 484230*, 493120, 493130
    *484220 and 484230 are limited to refrigerated and frozen trucking, farm products, grain products, and livestock; and
  • Businesses that are located in rural areas. 

Calculation of Fees When Multiple Loans Within 90 Days

Except for WCP and EXCP loans, when two or more 7(a) loans with maturities greater than 12 months are approved (by the same or different lenders) for the same applicant (including affiliates) within 90 days, the loans are combined for purposes of calculating the Guaranty and Upfront Fees.

EXCEPTION for WCP and EWCP loans: When two or more 7(a) loans are approved for an Applicant (including its affiliates), within 90 days of each other, and one or more of the 7(a) loans is an WCP or EWCP loan, the loan amounts are combined as if they are one loan to determine the percentage of guaranty and Upfront Fee relief for manufacturers. For purposes of calculating the Upfront Fee in this scenario, WCP and EWCP loans are not combined with any other 7(a) loans since their guaranty fees are based on the maturity as outlined in the notice. 

Annual Service Fee for multiple 7(a) loans within 90 days: The Annual Service Fee is set for each loan on a standalone basis without respect to any other loans made (i.e. the loans are not aggregated).

Please read the notice in its entirety for complete information on the FY 2027 7(a) loan fees. 

SBA also issued a companion notice detailing the 504 Program fees for FY 2027, Information Notice 5000-881796, 504 Fees for Fiscal Year 2027 (published September 3 and effective October 1, 2026).  The 7(a) and 504 loan program fees will apply to loans receiving an SBA loan number on or after October 1, 2026.