Lenders have different types of fees and there are many factors they consider when it comes to determining the size of their fee for each loan.
For example, some may require a fee be paid based on the length of the repayment term. Other providers might charge one flat fee based on the interest rate. Finally, some might charge a fee based on a percent of the total loan amount.
In particular for SBA loans, lenders tend to pass on SBA guaranty fees to borrowers, except for veterans. These fees need to be paid upfront and the amount depends on the loan amount, loan type and term.
In addition, if you default or miss a payment, there will be an extra fee.
Lastly, some lenders may charge a maintenance fee if you have a credit line that is inactive.