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Calculating the SBA Guaranty Fee 2020

In SBA Loans by Key Commercial Capital

SBA Guaranty Fee Examples

Loan AmountSBA Guaranty Fee
$150,000$2,550
$350,000$7,875
$1,000,000$26,250
$3,250,000$89,531.25
Examples of the SBA Loan guaranty fee for different loan amounts

The following are instructions on how to calculate the SBA Guaranty Fee at different loan amounts.

Depending on the loan amount, the SBA has different ways to calculate the fee amount. Examples are included for each level.

Loan Amount:  50,000 to 150,000

Take the loan amount and multiply by .85

Then take that figure and multiply by .02 (2%)

Example 150,000 x .85 = 127,500 x .02 = 2,550 is the SBA Guaranty Fee

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Loan Amount:  151,000 to 700,000

Take loan amount and multiply by .75

Then take that figure and multiply by .03 (3%) 

Example 350,000 x .75 = 262,500 x .03 = 7,875 is the SBA Guaranty Fee

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 Loan Amount:  701,000 to 1,000,000

Take loan amount and multiply by .75

Then take that figure and multiply by .035 (3.5%) 

Example 1,000,000 x .75 = 750,000 x .035 = 26,250 is the SBA Guaranty Fee 

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Loan Amount: 1,000,001 to 5,000,000

This one is 3 steps

Example 3,250,000 would be figured as such 

Step 1 to figure fee for 1,000,000

Take loan amount of 1,000,000 and multiply x .75 = 750,000 x .035 (3.5%) = 26,250

Step 2 to figure fee for amount over 1,000,000 in this case 2,250,000

2,250,000 (amount over 1MM) x .75 = 1,687,500 x .0375 (3.75%) = 63,281.25

Step 3 add both together

63,281.25 + 26,250 =  89,531.25 is the SBA Guaranty Fee