SBA loan guaranty fee calculator

The SBA guaranty fee is a fee charged by the Small Business Administration (SBA) to guarantee a portion of a loan made to a small business owner. The fee is typically based on the loan amount guaranteed by the SBA. The specific fee percentages may vary depending on the type and size of the loan, as well as other factors.

Ciaran Burke

Page written by AI. Reviewed by Ciaran Burke on March 15, 2024.

How to calculate an SBA guaranty fee

To calculate the SBA guaranty fee, you’ll need the following information:

  1. Loan amount: The total amount of the loan being guaranteed by the SBA.
  2. SBA guaranty percentage: The percentage of the loan amount that the SBA guarantees. This can vary depending on the type of loan.

Once you have this information, you can follow these steps to calculate the SBA guaranty fee:

  1. Determine the loan amount guaranteed by the SBA. Multiply the loan amount by the SBA guaranty percentage to get the guaranteed portion of the loan. Example: Loan amount = $100,000, SBA guaranty percentage = 75% Guaranteed portion = $100,000 * 75% = $75,000

  2. Determine the fee percentage associated with the loan. This can vary depending on the loan type and amount. You can refer to the SBA’s fee schedule or consult with your lender for the specific fee percentage. Example: Fee percentage = 3.5% (hypothetical value)

  3. Calculate the guaranty fee by multiplying the guaranteed portion of the loan by the fee percentage. Example: Guaranty fee = $75,000 * 3.5% = $2,625

Please note that the above example is for illustrative purposes only, and the actual fee percentages and calculations may vary. It’s important to consult with your lender or the SBA directly to obtain accurate and up-to-date information on the guaranty fee for your specific loan.

Remember that this is a general guide, and it’s always best to consult with the appropriate professionals or organizations for specific and accurate calculations related to SBA guaranty fees.


This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.

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