SBA Guaranty Fee Calculator

It's an upfront fee the SBA charges on the government-guaranteed portion of a 7(a) loan (not the full loan amount), which the lender typically passes on to the borrower. It funds the SBA loan program at no direct cost to taxpayers.

For loans with maturities over 12 months: 2% of the guaranteed portion up to $150,000; 3% from $150,001 to $700,000; 3.5% on the guaranteed portion up to $1 million plus 3.75% on the guaranteed amount above $1 million (up to the $5 million loan cap). Short-term loans (12 months or less) instead pay a flat 0.25% of the guaranteed portion.

The SBA doesn't guarantee 100% of a 7(a) loan — typically 75-85% depending on loan size and type. The guaranty fee is charged only on that guaranteed dollar amount, not your full loan amount, which is why this calculator asks for both your loan amount and the guaranteed percentage.

Yes — loans of $950,000 or less made to small manufacturers (NAICS sectors 31-33) currently have a 0% upfront guaranty fee. Fee schedules and any temporary waivers can change each fiscal year, so confirm the current schedule with your lender or the SBA before closing.