SBA Information Notice 5000-871532
Summary
SBA Information Notice, control no. 5000-871532, effective August 28, 2025, addressed to SBA employees and Certified Development Companies, announcing the FY 2026 fees for 504 loans approved October 1, 2025, through September 30, 2026. For 504 loans to manufacturers (NAICS Sectors 31-33), including loans 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 are waived. For all other 504 loans, the upfront guaranty fee is 0.50% (50 basis points), followed by the annual service fee, and a separate notice covers 7(a) fees.
Summary drafted by a model from the document's text below and checked by script against that text before publication. It is a navigation aid, not a reading of what the document proves. Where AI is used
Full text
SBA Information Notice
TO: All SBA Employees and Certified CONTROL NO.: 5000-871532
Development Companies
EFFECTIVE: August 28, 2025
SUBJECT: 504 Fees for Fiscal Year 2026
Each year SBA reviews certain fees payable to SBA by 504 borrowers to determine if any
of those fees need to be adjusted to cover the estimated subsidy costs of the 504 loan
program.1
This Notice announces the FY 2026 annual service fee (also known as the “on-going
guaranty fee”) and upfront guaranty fee for 504 loans. A separate notice is being issued for
the 7(a) loan program.
For all 504 loans, the following fees are effective for loans approved October 1, 2025,
through September 30, 2026:
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.
For all other 504 loans (other than loans made under the 504 Debt Refinance without
Expansion Program) approved in FY 2026:
1) The upfront guaranty fee will be 0.50% (50 basis points).
2) The annual service fee will be 0.209% (20.9 basis points) of the outstanding balance of
the loan.
For 504 loans approved in FY 2026 under the 504 Debt Refinance without Expansion Program
(other than loans to manufacturers):2
1) The upfront guaranty fee will be 0.50% (50 basis points).
2) The annual service fee will be 0.209% plus 0.0025%, for a total of 0.2115% (20.9
basis points plus 0.25 basis points for a total of 21.15 basis points) of the outstanding
balance of the loan.
PAGE 1 of 2 EXPIRES: 10/1/26
SBA Form 1353.3 (4-93) MS Word Edition; previous editions obsolete
Must be accompanied by SBA Form 58
Federal Recycling Program Printed on Recycled Paper
Questions:
Questions concerning this Notice may be directed to the Lender Relations Specialist in the
local SBA Field Office.
Thomas Kimsey
Associate Administrator
Office of Capital Access
1 Fees are effective for the entire fiscal year to maintain the estimated costs of the program unless subsequent Congressional acts
modify the program’s effective subsidy costs.
2 While Section 328(a)(1) of the Economic Aid to Hard Hit Small Businesses, Nonprofits, and Venues Act (P.L. 116-260)
repealed the requirement that the 504 Program be at zero subsidy for 504 Debt Refinance without Expansion Program to be
available, this repeal did not remove the subsidy fees for the 504 Debt Refinance without Expansion Program.
PAGE 2 of 2 EXPIRES: 10/1/26
SBA Form 1353.3 (4-93) MS Word Edition; previous editions obsolete
Must be accompanied by SBA Form 58
Federal Recycling Program Printed on Recycled Paper
File and source
- File
- 2025-08_Information-Notice-5000-871532-504-Fees-FY-2026_0.pdf
- Size
- 261,475 bytes
- SHA-256
- d624e3f82a8e5af93cfd0f88244fa88198dd69a0ac1d3ad7347ff69b0e8554d2
- Original
- www.sba.gov