SBA Information Notice 5000-881796

SBA Information Notice 5000-881796

Effective 2026-10-01 · publisher's stamp for this provision

SBA Information Notice TO: All SBA Employees and Certified Development Companies CONTROL NO.: 5000-881796 EFFECTIVE: October 1, 2026 SUBJECT: 504 Fees for Fiscal Year 2027 PUBLICATION: September 3, 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. 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. This Notice announces the FY 2027 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, 2026, through September 30, 2027: For 504 loans to manufacturers (NAICS Sectors 31-33), food supply chain (NAICS Codes 1111, 1112, 1113, 1121, 1122, 1123, 1124, 1125, 1129, 1141, 1151, 1152, 423820, 4244, 4245, 424910, 445110, 4842201, 4842301, 493120, 493130), and businesses located in a rural area, 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 2027: 1) The upfront guaranty fee will be 0.50% (50 basis points). 2) The annual service fee will be 0.203% (20.3 basis points) of the outstanding balance of the loan. 1 NAICS 484220 and 484230 are limited to refrigerated and frozen trucking, farm products, grain products, and livestock. PAGE 1 of 2 EXPIRES: 10/1/27 Federal Recycling Program Printed on Recycled Paper SBA Form 1353.3 (4-93) MS Word Edition; previous editions obsolete Must be accompanied by SBA Form 58 For 504 loans approved in FY 2027 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 0.203% plus 0.001%, for a total of 0.204% (20.3 basis points plus 0.1 basis points for a total of 20.4 basis points) of the outstanding balance of the loan. Questions Questions concerning this Notice may be directed to the Lender Relations Specialists in the local SBA Field Office. Thomas Kimsey Associate Administrator Office of Capital Access 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: 10/1/27 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

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