# Sba Programme Terms

> The Sba Programme Terms carries 8 published figures read from 3 sources' own pages, from 0.55 to 85 percent, read 17 October 2026.

Working Capital Quotes · https://workingcapitalquotes.com/datasets/sba-programme-terms/ · computed 2026-10-19

**Range of the published figures:** 0.55 to 85 % (range 0.55 to 85 %; 8 published figures; 3 of 8 sources read publish one).

3 of the 8 named sources read in full publish a figure; 5 publish none, read 17 October 2026.

## By term

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| term 504 loan fees | 3 % | 3 to 3 % | 1 |
| term guaranty fee, loans of $150,000 or less | 1 % | 1 to 1 % | 1 |
| term annual service fee | 0.55 % | 0.55 to 0.55 % | 1 |
| term microloan interest rate | 8 % | 8 to 8 % | 1 |
| term maximum guaranty, loans of $150,000 or less | 85 % | 85 to 85 % | 1 |
| term maximum guaranty, loans over $150,000 | 75 % | 75 to 75 % | 1 |
| term guaranty fee, loans over $150,000 | 3 % | 3 to 3 % | 1 |
| term guaranty fee, largest loans | 3.5 % | 3.5 to 3.5 % | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) | 85 % | maximum guaranty, loans of $150,000 or less | 2026-10-17 |
| [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) | 75 % | maximum guaranty, loans over $150,000 | 2026-10-17 |
| [SBA microloans](https://www.sba.gov/funding-programs/loans/microloans) | 8 % | microloan interest rate | 2026-10-17 |
| [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) | 3.5 % | guaranty fee, largest loans | 2026-10-17 |
| [SBA 504 loans](https://www.sba.gov/funding-programs/loans/504-loans) | 3 % | 504 loan fees | 2026-10-11 |
| [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) | 3 % | guaranty fee, loans over $150,000 | 2026-10-17 |
| [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) | 1 % | guaranty fee, loans of $150,000 or less | 2026-10-17 |
| [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) | 0.55 % | annual service fee | 2026-10-17 |

## The sentence each figure was read from (8)

- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120), read 2026-10-17: "Loans of $150,000 or less may receive a maximum guaranty of 85 percent."
- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120), read 2026-10-17: "Loans more than $150,000 may receive a maximum guaranty of 75 percent, except as otherwise authorized by law."
- [SBA microloans](https://www.sba.gov/funding-programs/loans/microloans), read 2026-10-17: "Interest rates vary depending on the intermediary lender Generally, between 8%-13%"
- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120), read 2026-10-17: "(iii) Except as provided in paragraph (a)(1)(iv) of this section, not more than 3.5 percent of the guaranteed portion of a loan if the total amount of the loan is more than $700,000; and"
- [SBA 504 loans](https://www.sba.gov/funding-programs/loans/504-loans), read 2026-10-11: "Totals approximately 3% of the debt, rate may be financed with the loan"
- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120), read 2026-10-17: "(ii) Not more than 3 percent of the guaranteed portion of a loan if the total amount of the loan is more than $150,000 but not more than $700,000;"
- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120), read 2026-10-17: "For a loan with a maturity of more than twelve (12) months, the guarantee fee is: (i) 1 percent of the guaranteed portion of the loan if the total loan amount is not more than $150,000,"
- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120), read 2026-10-17: "Except to the extent paragraph (f)(2) of this section applies, the lender shall pay SBA an annual service fee in an amount not to exceed 0.55 percent of the outstanding balance of the guaranteed portion of each loan."

## Read in full, publishes no figure

- [SBA 7(a) loans](https://www.sba.gov/funding-programs/loans/7a-loans), read 2026-09-11: read in full and no accepted figure on the page
- [SBA 7(a) loan program - terms, conditions and eligibility](https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility), read 2026-09-11: read in full and no accepted figure on the page
- [SBA loan programs index](https://www.sba.gov/funding-programs/loans), read 2026-09-11: read in full and no accepted figure on the page
- [SBA size standards](https://www.sba.gov/federal-contracting/contracting-guide/size-standards), read 2026-09-19: read in full and no accepted figure on the page
- [Federal Reserve H.15 Selected Interest Rates](https://www.federalreserve.gov/releases/h15/), read 2026-10-11: every candidate on the page was refused

## Methodology

Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 8 named sources that could be read published a usable figure; 5 published none and are recorded as not published, never filled in; 0 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 8 figures, never sentences; 10 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per SBA programme per term - maximum loan amount, maximum maturity, the base rate plus the maximum allowable spread, the guaranty fee, the eligibility test and the published timeline - each quoted from the SBA's own page or from 13 CFR Part 120 with the effective date, and the rate CALCULATED against that week's prime from the Federal Reserve's H.15 so the maximum a lender may charge is a number and not a formula; the derivation nobody publishes is that maximum sitting beside the private market's advertised rates from the three provider indexes on the same day, which is the only honest answer to 'is this quote reasonable', plus changed-since on every fee and rate-cap revision

## Sources

- [SBA 7(a) loans](https://www.sba.gov/funding-programs/loans/7a-loans) (the publisher's own terms; quoted for reporting and comment)
- [SBA 504 loans](https://www.sba.gov/funding-programs/loans/504-loans) (the publisher's own terms; quoted for reporting and comment)
- [SBA microloans](https://www.sba.gov/funding-programs/loans/microloans) (the publisher's own terms; quoted for reporting and comment)
- [SBA 7(a) loan program - terms, conditions and eligibility](https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility) (the publisher's own terms; quoted for reporting and comment)
- [SBA loan programs index](https://www.sba.gov/funding-programs/loans) (the publisher's own terms; quoted for reporting and comment)
- [SBA size standards](https://www.sba.gov/federal-contracting/contracting-guide/size-standards) (the publisher's own terms; quoted for reporting and comment)
- [13 CFR Part 120 - Business Loans (eCFR)](https://www.ecfr.gov/current/title-13/chapter-I/part-120) (the publisher's own terms; quoted for reporting and comment)
- [Federal Reserve H.15 Selected Interest Rates](https://www.federalreserve.gov/releases/h15/) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- The Sba Programme Terms carries 8 published figures read from 3 sources' own pages, from 0.55 to 85 percent, read 17 October 2026.
- 3 of the 8 named sources read in full publish a figure; 5 publish none, read 17 October 2026.
- Sba Programme Terms, term 504 loan fees: median 3 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term guaranty fee, loans of $150,000 or less: median 1 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term annual service fee: median 0.55 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term microloan interest rate: median 8 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term maximum guaranty, loans of $150,000 or less: median 85 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term maximum guaranty, loans over $150,000: median 75 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term guaranty fee, loans over $150,000: median 3 percent across 1 source, read 17 October 2026.
- Sba Programme Terms, term guaranty fee, largest loans: median 3.50 percent across 1 source, read 17 October 2026.

Cite as: "Working Capital Quotes Sba Programme Terms", updated 2026-10-19, https://workingcapitalquotes.com/datasets/sba-programme-terms/.

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