Facts registry
What is the sBA 7(a) upfront guaranty fee, gross loans $150,001–$700,000 (vintage marker for the FY2026 schedule)?
3%
The SBA 7(a) upfront guaranty fee, gross loans $150,001–$700,000 (vintage marker for the FY2026 schedule) for FY2026 (loans approved 2025-10-01 through 2026-09-30) is 3%. Source: SBA Information Notice 5000-872051, 7(a) Fees Effective October 1, 2025 for Fiscal Year 2026. Checked against that source on 2026-08-14.
Where it comes from
- Value
- 3%
- Applies to
- FY2026 (loans approved 2025-10-01 through 2026-09-30)
- Jurisdiction
- United States, federal
- Primary source
- SBA Information Notice 5000-872051, 7(a) Fees Effective October 1, 2025 for Fiscal Year 2026
- Last checked
- August 14, 2026
- Registry id
- sba.7a.upfront-fee.tier-150k-700k.fy2026
Full FY2026 schedule verified against the notice PDF: fees apply to the GUARANTEED portion, tiered by GROSS loan amount — ≤$150k: 2%; $150,001–$700k: 3%; $700,001–$5M: 3.5% of the guaranteed portion up to $1M plus 3.75% above $1M; maturities ≤12 months: 0.25%. The 0.55% annual service fee is lender-paid and may not be passed to the borrower. Manufacturer (≤$950k) and veteran SBA Express waivers exist; the engine documents them as exclusions.
Calculations that use it
When one of these runs, the response returns this constant alongside the result, with its source — so a number in an answer traces back to the notice that set it.
Get it programmatically
The whole registry as JSON — every constant with its value, period, primary source, and check date. No key required.
curl https://worthune.com/api/v1/factsQuestions
Common questions
- What is the sBA 7(a) upfront guaranty fee, gross loans $150,001–$700,000 (vintage marker for the FY2026 schedule)?
- The SBA 7(a) upfront guaranty fee, gross loans $150,001–$700,000 (vintage marker for the FY2026 schedule) for FY2026 (loans approved 2025-10-01 through 2026-09-30) is 3%. Source: SBA Information Notice 5000-872051, 7(a) Fees Effective October 1, 2025 for Fiscal Year 2026. Checked against that source on 2026-08-14.
- Where does this number come from?
- SBA Information Notice 5000-872051, 7(a) Fees Effective October 1, 2025 for Fiscal Year 2026. We record the primary source for every constant our models use, along with the date a person last checked the value against it — in this case 2026-08-14. A figure without a source and a date cannot be told apart from a stale one.
- Which calculations use this figure?
- One Worthune model uses it: sba-loan-cost. When one of them runs, the response returns this constant alongside the result, with its source, so the number in an answer can be traced back to the notice that set it.
- How do I get this figure programmatically?
- GET https://worthune.com/api/v1/facts returns the whole registry as JSON — every constant with its value, period, primary source, and check date. No key is required.
We maintain this registry against its primary sources on a best-efforts basis and version every change publicly. It is reference information, not tax or financial advice — verify against the primary source before relying on a figure. Spotted something wrong or out of date? Tell us at support@worthune.com.