SBA SOP 50 10 8.1, A.Ch4.C.3 — Fees the Borrower Pays to SBA

sba-sop81-a-ch4-c-3

Verbatim text of SBA SOP 50 10 8.1 (with Technical Policy Updates) section A.Ch4.C.3 (Fees the Borrower Pays to SBA). Effective 2026-10-01 for applications received by SBA on or after that date; SOP 50 10 8 governs applications submitted through 2026-09-30. 1 provision(s) quoted from SBA's .docx.

This register: .xlsx .csv

See also

SBA lending corpus: SOP 50 10 and the active notices, with the expiry watcher.

Verbatim regulatory text (1)

Verbatim provisions from SBA SOP 50 10 8.1, A.Ch4.C.3 — Fees the Borrower Pays to SBA — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

SOP 50 10 8.1 A.Ch4.C.3

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

3. Fees the Borrower Pays to SBA Subsidy Recoupment Fee 13 CFR § 120.223 For loans with a maturity of 15 years or longer, the Borrower must pay to SBA a Subsidy Recoupment Fee when the Borrower voluntarily prepays more than 25% of its loan in any 1 year during the first 3 years after first disbursement. The fee is 5% of the prepayment amount during the first year, 3% the second year, and 1% in the third year. The Subsidy Recoupment Fee would also apply to any loan originally made with a maturity of less than 15 years, when the maturity is extended to 15 years or more during the first 36 months of the loan. Any prepayments made prior to the maturity extension are subject to the subsidy recoupment fee. SBA does not consider death that results in a prepayment a voluntary occurrence. No determination by SBA is required in this circumstance, and the 7(a) Lender must confirm and document their file. If the 7(a) Lender otherwise believes that the prepayment of the loan is not voluntary, the 7(a) Lender may submit a request for a determination, with the 7(a) Lender’s supporting analysis, by email to the Commercial Loan Servicing Center (CLSC) at FSC.Servicing@sba.gov. The CLSC will submit the request, along with its recommendation to the Director of the Office of Financial Program Operations (D/OFPO) and the D/FA or designee for a joint determination as to whether a prepayment is involuntary.

Source: SBA SOP 50 10 8.1, A.Ch4.C.3 — Fees the Borrower Pays to SBA · source URL · snapshot 0fb0c4692cf52938

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Source of record: https://claudeforcompliance.com/regs/sba-sop81-a-ch4-c-3/ · register sba-sop81-a-ch4-c-3 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.