... you and the lender—subject to SBA minimums Both fixed and variable rates are available The maximum rate is based upon a base rate and an allowable spread The SBA recognizes the following as acceptable ... maximum amount it will guarantee The SBA reports that the average 7( a) loan amount in 2012 was $3 37, 730 The SBA charges aloan guarantee fee to the lending institution based upon the loan s maturity ... head to the bank looking for aloan In its simplest terms, a term loan is repaid in regular payments over a period of time Auto loans and home mortgages are both great examples Amountsand repayment...