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Fiscal Year 2027
Additional Information for FY27
For 504 loans to certain qualifying businesses, SBA is waiving both the upfront guaranty fee and the annual service fee – this includes loans made under 504 Debt Refinance with Expansion option and 504 Debt Refinance without Expansion program. This includes –
- Manufacturers – NAICS Codes 31, 32, 33
- Food supply chain – NAICS Codes 1111, 1112, 1113, 1121, 1122, 1123, 1124, 1125, 1129, 1141, 1151, 1152, 423820, 4244, 4245, 424910, 445110, 484220*, 484230*, 493120, 493130
- * NAICS 484220 and 484230 are limited to refrigerated and frozen trucking, farm products, grain products, and livestock
- Businesses Located in a Rural Area – NADCO will coordinate with SBA to clarify how the agency defines a “rural area” for purposes of this requirement and will provide additional guidance to the industry in a future communication
SBA Information Notice 5000-881796
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)
10-1-2026 through 9-30-2027
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 (0.203%)
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 (0.204%)
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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