SBA Fee Calculator

The FY2026 SBA 7(a) upfront guarantee fee is 2.00% on loans up to $150,000, 3.00% on $150,001–$700,000, 3.50% on $700,001–$1,000,000, and a blended 3.50% on the first $1M guaranteed plus 3.75% above. Short-term loans (≤12 months) pay 0.25%. Small manufacturers in NAICS 31–33 with loans ≤$950K pay 0% in FY2026. The annual service fee of 0.55% on the outstanding guaranteed balance is paid by the lender and cannot be passed to the borrower.

FY2026 SBA 504 fees on the debenture portion include: SBA Guaranty Fee 0.50%, SBA Annual Service Fee 0.209%, CDC Processing Fee up to 1.50%, CDC Servicing Fee 0.625%/year minimum, CSA Fee 0.10%/year, Underwriters Fee 0.40% (20/25-year) or 0.375% (10-year), and Funding Fee 0.25%. The TPL Participation Fee of 0.50% applies separately to the senior loan. Manufacturer loans (NAICS 31–33) receive full waivers on SBA Guaranty and Annual Service fees.

The TPL Participation Fee is a one-time 0.50% fee paid to SBA on the senior (third-party) loan in a 504 project, typically the bank-provided first mortgage covering about 50% of the project. It does not apply to the CDC debenture.

Yes. The 7(a) upfront guarantee fee is typically financed into the principal. Most 504 upfront fees are also wrapped into the debenture and CDC structure rather than paid out of pocket at closing.

No. This calculator covers only official FY2026 SBA and CDC fees per SBA Information Notices 5000-872051 (7(a)) and 5000-871532 (504). Lender packaging, legal, appraisal, environmental, and title/escrow fees are separate.