The 7(a) Lender pays SBA the Upfront (guaranty) Fee electronically (bulk ACH or pay.gov): within 10 business days of the loan number for short-term loans (12 months or less) and within 90 days of approval for longer loans, with no waiver or extension of the due date and regardless of whether the Borrower has paid; additional fees for increases or extensions of short-term loans within 30 days, or the guaranty is cancelled. The fee rates in the current regulation or fiscal-year notice apply, with loans to the same Applicant and affiliates approved within 90 days combined. The Lender may pass the Upfront Fee to the Borrower only after paying it (short-term) or after initial disbursement (longer loans), never making a first disbursement mainly to pay it and, in escrow closings, only after all funds are disbursed. It pays the Lender's Annual Service Fee monthly with the SBA Form 1502, never charges it to the Borrower, and ensures the SBA Terms and Conditions state the correct fee. Reinstatement after cancellation needs a written request with certifications on adverse change, currency, 1502 reporting and fee payment and an explanation of the procedural fix.
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