SBA Fee Calculator

SBA 7(a) loan guaranty fee calculator for FY 2026 (loans approved October 1, 2025 through September 30, 2026). Based on the 7(a) LGPC workbook. If the fee here differs from what E-Tran calculates when the loan is funded, E-Tran’s amount prevails.

The new loan · enter one loan only

1. Regular 7(a), CAPLine, Small, CA or EWCP loan with a maturity over 12 months
$
2. SBA Express loanMaturity over 12 months.
$
3. Working Capital Pilot Program (WCPP)Upfront fee for 7(a) WCP loans, based on maturity:
  • 12 months or less: 0.25%
  • 13 to 24 months: 0.525%
  • 25 to 36 months: 0.80%
  • 37 to 48 months: 1.075%
  • 49 to 60 months: 1.35%
of the guaranteed portion of the loan.
$

Gty % starts at 85% for loans of $150,000 or less and 75% above that. Type a different % if needed.

Guaranty fee due

Fee for this loan guaranty amount
Total fee due for this new loan
Net loan amount (after fees, when financed)

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