What Fees Should You Expect with an SBA 504 Loan?

Everything you need to know

While SBA 504 loans are known for competitive rates and terms, borrowers should understand the fees involved so there are no surprises at closing.

Standard SBA Fees

• SBA Guaranty Fee: 0.5% of the SBA portion.
• Underwriting Fee: 0.4%.
• Funding Fee: 0.25%.
• CDC Processing Fee: 1.5%.

Other Potential Costs

• Appraisal fees
• Environmental investigations (if required)
• Closing costs

The Good News: Many of these fees can be financed into the loan, reducing upfront cash outlay.