5% of any Mortgages that are senior to the SBA Guaranteed Mortgage must be submitted in the form of a Certified Check at the time of the SBA closing. SBA 504 Debentures are government guaranteed securities. The rate is then fixed for the term of the loan. Debenture sales occur monthly for 25-year loans, 20-year loans and bi-monthly for 10-year loans. 4% is paid to Harris Trust (.375% for 10-year loans) for security underwriting, marketing, the sales work done on a monthly basis, and for the legal work connected with the monthly funding.ДЄ Participation Fee equal to. The rate on the SBA 504 portion is set when the SBA sells the debenture to fund the loan. This includes payment for printing costs and debenture pooling and certification costs. 25% is collected for the Development Company Funding Corporation (DCFC) as the programвЂ™s fiscal agent, for managing the overall mechanism of selling and funding the debentures, and negotiating and managing the monthly debenture process. Any excess fees will be used to help defray the costs of title insurance and recording documents. This fee also pays for an Opinion that covers the borrowerвЂ™s transaction. A $2,500 legal fee to pay for the CDC/SBA attorney to prepare an Opinion of Counsel for the transaction.The reserve/guaranty fee paid to SBA to offset loan losses and program administrative expense has been eliminated as of.A processing fee of 1.5% is paid to Amplio for marketing, screening, packaging, closing and general overhead.

The fees are calculated on the net debenture amount and are made up of the following components: Can I Afford the Small Business Loan Payments Once you calculate your Monthly Payment with. These are one-time only expenses that are financed along with the debenture. If you would like to run a new calculation, click Reset Calculator. There are a number of fees associated with obtaining an SBA 504 loan. What comprises debenture pricing and how are SBA costs calculated? Processing, initiation and funding fees

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