Estimate your SBA Guaranty Fee, packaging fees, and third-party reports required to close your loan.
Loans under 12 months have a flat 0.25% guaranty fee.
Acquisitions and real estate require costly third-party appraisals.
The SBA Fee Calculator takes the guesswork out of closing costs. Unlike conventional loans, SBA loans involve unique government guaranty fees and mandatory third-party reports. This tool helps you accurately predict the total cost of funding before you sign a term sheet.
When you enter your loan amount, the calculator automatically applies the complex, tiered SBA Guaranty Fee structure (which changes based on loan size). It also adds standard industry estimates for allowable closing costs, such as lender packaging fees, commercial appraisals, and environmental reports. The total output represents the closing costs that will likely be financed into your final loan amount.
The SBA charges an upfront Guaranty Fee to offset the costs of the loan program. This fee is a percentage of the guaranteed portion of the loan, not the total loan amount. For 2026, the fee structure scales based on the loan size. Loans under $150,000 often have the fee completely waived, making smaller loans highly attractive.
Beyond the Guaranty Fee, you will be responsible for standard commercial closing costs. The SBA strictly regulates what banks can and cannot charge you. Expect to pay for:
Banks are allowed to charge a "packaging fee" for the time they spend processing your SBA application. However, the SBA limits this fee. Typically, packaging fees range from $2,000 to $3,000, and they must be itemized and justified by the lender.
Yes. The SBA Guaranty Fee and most third-party closing costs (like appraisals and packaging fees) can be rolled directly into the final loan amount. This drastically reduces the cash you need to bring to the closing table.