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Fiscal Year 2026
Additional Information for FY26
For 504 loans to manufacturers (NAICS Sectors 31-33), including loans made under the 504 Debt Refinance with Expansion option and the 504 Debt Refinance without Expansion Program, the upfront guaranty fee and the annual service fee will be waived.
SBA Information Notice 5000-871532
For all other 504 loans see below.
504 Loan Program
Loan Approval Date
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
10-1-2025 through 9-30-2026
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
One-half of one percent (0.5%) of senior lien amount
Upfront Guaranty Fee (ongoing fee)
Third Party Lender Participation Fee (one-time fee)
Upfront Guaranty Fee (ongoing fee)
One-half of one percent of net debenture amount (0.5%)
Borrower SBA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Upfront Guaranty Fee (ongoing fee)
Two hundred nine thousandths of one percent (0.209%)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Five-eights of one percent (0.625%)
CSA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
One-tenth of one percent (0.1%)
504 Debt Refinance WITHOUT Expansion Program
Loan Approval Date
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
10-1-2025 through 9-30-2026
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
One-half of one percent (0.5%) of senior lien amount
Upfront Guaranty Fee (ongoing fee)
Third Party Lender Participation Fee (one-time fee)
Upfront Guaranty Fee (ongoing fee)
One-half of one percent of net debenture amount (0.5%)
Borrower SBA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Upfront Guaranty Fee (ongoing fee)
Two thousand one hundred fifteen ten-thousandths of a percent (0.2115%)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Five-eights of one percent (0.625%)
CSA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
One-tenth of one percent (0.1%)
Fiscal Year 2025
504 Loan Program
Loan Approval Date
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
10-1-2024 through 9-30-2025
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
One-half of one percent (0.5%) of senior lien amount
Upfront Guaranty Fee (ongoing fee)
Third Party Lender Participation Fee (one-time fee)
Upfront Guaranty Fee (ongoing fee)
Zero percent (0%) of senior lien amount
Borrower SBA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Upfront Guaranty Fee (ongoing fee)
Four thousand four hundred five ten thousandths of one percent (0.331%)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Five-eights of one percent (0.625%)
CSA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
One-tenth of one percent (0.1%)
504 Debt Refinance WITHOUT Expansion Program
Loan Approval Date
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
10-1-2024 through 9-30-2025
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
Third Party Lender Participation Fee (one-time fee)
One-half of one percent (0.5%) of senior lien amount
Upfront Guaranty Fee (ongoing fee)
Third Party Lender Participation Fee (one-time fee)
Upfront Guaranty Fee (ongoing fee)
Zero percent (0%) of senior lien amount
Borrower SBA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Upfront Guaranty Fee (ongoing fee)
Four thousand four hundred five ten thousandths of one percent (0.356%)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Five-eights of one percent (0.625%)
CSA Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
Minimum CDC Servicing Fee (ongoing fee)
One-tenth of one percent (0.1%)
Historical Fee Data
View Historical Fee Data (pdf)
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