SBA Guaranty Fees being reinstated tomorrow (3/25/25)!?

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by a searcher from Buena Vista University
in Douglas County, CO, USA

1yr ago

SBA Guaranty Fees being reinstated tomorrow (3/25/25)!?

We just learned from our SBA Lender, from whom we just received approval for our acquisition loan this week, that the SBA is reinstating Guaranty Fees starting TOMORROW. She is attempting to push our loan into the SBA system for a compliance review before this takes effect, but if not, it will be an extra 2% fee that we definitely were not planning on. That seems absolutely insane to me that they don't need to give any sort of notice to do this. Has anyone else heard this? Our loan is well below the $1 million threshold.

Are there any SBA lenders, brokers, or intermediaries who have more insight on this?

1 Like

616 Views

reply by a lender 1yr ago
in Stuart, FL, USA

Unfortunately, everyone is in the same boat for this one. That said, the guaranty fees are what makes the entire program work and without them, lending for businesses would probably go back to the stone ages. So while it may be an unwanted surprise, it is good to know that they are attempting to make the guaranty pool healthy again. This is one government program we do not want to go away. It is simply the cost to doing business. I wish you the best with your transaction.

reply by a searcher 1yr ago
from Buena Vista University in Douglas County, CO, USA

I never stated that the deal would be dead due to the fee. My frustration stems from the lack of prior notice regarding the additional cost going into effect. The previous SBA announcement in October 2024 indicated that the fee structure would remain in effect through SeptemberredactedGiven that, I believe it's reasonable to be frustrated over an unexpected $14,000 increase.