SBA 7(a) Guaranty Fee Table
				As a Result of the 2010 Small Business Jobs and Credit Act
						Temporary Period
			Gtd.	Gty.			Gtd.	Gty.			Gtd.	Gty.		Gty.
		Gty. %	Amount	Fee		Gty. %	Amount	Fee		Gty. %	Amount	Fee		Fee
Loan		Before	Before	Before		After	After	After		After	After	After		as % of
Amount		9/27/10	9/27/10	9/27/10		9/27/10	9/27/10	9/27/10		12/31/10	12/31/10	12/31/10		Loan
$5,000,000		not app.	not avail.	not app.		90%	$4,500,000	$0		75%	$3,750,000	$138,125		2.763%
4,900,000		not app.	not avail.	not app.		90%	4,410,000	$0		75%	3,675,000	135,313		2.761%
4,800,000		not app.	not avail.	not app.		90%	4,320,000	$0		75%	3,600,000	132,500		2.760%
4,700,000		not app.	not avail.	not app.		90%	4,230,000	$0		75%	3,525,000	129,688		2.759%
4,600,000		not app.	not avail.	not app.		90%	4,140,000	$0		75%	3,450,000	126,875		2.758%
4,500,000		not app.	not avail.	not app.		90%	4,050,000	$0		75%	3,375,000	124,063		2.757%
4,400,000		not app.	not avail.	not app.		90%	3,960,000	$0		75%	3,300,000	121,250		2.756%
4,300,000		not app.	not avail.	not app.		90%	3,870,000	$0		75%	3,225,000	118,438		2.754%
4,200,000		not app.	not avail.	not app.		90%	3,780,000	$0		75%	3,150,000	115,625		2.753%
4,100,000		not app.	not avail.	not app.		90%	3,690,000	$0		75%	3,075,000	112,813		2.752%
4,000,000		not app.	not avail.	not app.		90%	3,600,000	$0		75%	3,000,000	110,000		2.750%
3,900,000		not app.	not avail.	not app.		90%	3,510,000	$0		75%	2,925,000	107,188		2.748%
3,800,000		not app.	not avail.	not app.		90%	3,420,000	$0		75%	2,850,000	104,375		2.747%
3,700,000		not app.	not avail.	not app.		90%	3,330,000	$0		75%	2,775,000	101,563		2.745%
3,600,000		not app.	not avail.	not app.		90%	3,240,000	$0		75%	2,700,000	98,750		2.743%
3,500,000		not app.	not avail.	not app.		90%	3,150,000	$0		75%	2,625,000	95,938		2.741%
3,400,000		not app.	not avail.	not app.		90%	3,060,000	$0		75%	2,550,000	93,125		2.739%
3,300,000		not app.	not avail.	not app.		90%	2,970,000	$0		75%	2,475,000	90,313		2.737%
3,200,000		not app.	not avail.	not app.		90%	2,880,000	$0		75%	2,400,000	87,500		2.734%
3,100,000		not app.	not avail.	not app.		90%	2,790,000	$0		75%	2,325,000	84,688		2.732%
3,000,000		not app.	not avail.	not app.		90%	2,700,000	$0		75%	2,250,000	81,875		2.729%
2,900,000		not app.	not avail.	not app.		90%	2,610,000	$0		75%	2,175,000	79,063		2.726%
2,800,000		not app.	not avail.	not app.		90%	2,520,000	$0		75%	2,100,000	76,250		2.723%
2,700,000		not app.	not avail.	not app.		90%	2,430,000	$0		75%	2,025,000	73,438		2.720%
2,600,000		not app.	not avail.	not app.		90%	2,340,000	$0		75%	1,950,000	70,625		2.716%
2,500,000		not app.	not avail.	not app.		90%	2,250,000	$0		75%	1,875,000	67,813		2.713%
2,400,000		not app.	not avail.	not app.		90%	2,160,000	$0		75%	1,800,000	65,000		2.708%
2,300,000		not app.	not avail.	not app.		90%	2,070,000	$0		75%	1,725,000	62,188		2.704%
2,200,000		not app.	not avail.	not app.		90%	1,980,000	$0		75%	1,650,000	59,375		2.699%
2,100,000		not app.	not avail.	not app.		90%	1,890,000	$0		75%	1,575,000	56,563		2.693%
2,000,000		75%	$1,500,000	53,750		90%	1,800,000	$0		75%	1,500,000	53,750		2.688%
1,900,000		75%	1,425,000	50,938		90%	1,710,000	$0		75%	1,425,000	50,938		2.681%
1,800,000		75%	1,350,000	48,125		90%	1,620,000	$0		75%	1,350,000	48,125		2.674%
1,700,000		75%	1,275,000	45,313		90%	1,530,000	$0		75%	1,275,000	45,313		2.665%
1,600,000		75%	1,200,000	42,500		90%	1,440,000	$0		75%	1,200,000	42,500		2.656%
1,500,000		75%	1,125,000	39,688		90%	1,350,000	$0		75%	1,125,000	39,688		2.646%
1,400,000		75%	1,050,000	36,875		90%	1,260,000	$0		75%	1,050,000	36,875		2.634%
1,300,000		75%	975,000	34,125		90%	1,170,000	$0		75%	975,000	34,125		2.625%
1,200,000		75%	900,000	31,500		90%	1,080,000	$0		75%	900,000	31,500		2.625%
1,100,000		75%	825,000	28,875		90%	990,000	$0		75%	825,000	28,875		2.625%
1,000,000		75%	750,000	26,250		90%	900,000	$0		75%	750,000	26,250		2.625%
900,000		75%	675,000	23,625		90%	810,000	$0		75%	675,000	23,625		2.625%
800,000		75%	600,000	21,000		90%	720,000	$0		75%	600,000	21,000		2.625%
700,000		75%	525,000	15,750		90%	630,000	$0		75%	525,000	15,750		2.250%
600,000		75%	450,000	13,500		90%	540,000	$0		75%	450,000	13,500		2.250%
500,000		75%	375,000	11,250		90%	450,000	$0		75%	375,000	11,250		2.250%
400,000		75%	300,000	9,000		90%	360,000	$0		75%	300,000	9,000		2.250%
300,000		75%	225,000	6,750		90%	270,000	$0		75%	225,000	6,750		2.250%
200,000		75%	150,000	4,500		90%	180,000	$0		75%	150,000	4,500		2.250%
100,000		85%	85,000	1,700		90%	90,000	$0		85%	85,000	1,700		1.700%
A specific formula is used to calculate the Guarantee Fee for each loan.
For loans approved through December 31st of this year, 2010, the Guaranty Fee is entirely waived for the life of the loan.
Loans approved after 12/31/2010 will have the Guaranty Fee as shown in the second column from the right.
There is no need to calculate the Guaranty Fee at the temporary 90% guarantee because the 90% guarantee and the fee waiver
are simultaneous.
Note:  Under the 7(a) program the banks are not allowed to charge an origination fee payable to the bank.
For a refinance loan approved before or after the temporary fee waiver period the entire Guaranty Fee is financed.  For a purchase
or new construction loan approved before or after the temporary fee waiver period 75% to 85% of the Guaranty Fee is
financed into the loan, the same as the overall loan-to-value (or loan-to-cost) percentage.
Prior to 9/27/10 the maximum guaranteed loan was $2,000,000, but is now permanently $5,000,000.  This is the maximum
for a single loan or for the total of multiple loans to a single borrower.
Originally posted 10/10/10.  This table will be updated or changed as necessary.
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Table by Alan Bussey, Car Wash Loans.
AlanBussey@CarWashLoans.com
Copyright by Alan Bussey 2010.  All rights reserved.