[Olderguy]

I'm not aware of any SBA Bank that pays 3% - but, there may be an exception

Do you own research - There are Banks that have niche markets that do not pay a referral fee but allow outside fees to be charged.

100 most active SBA 7(a) lenders


https://www.sba.gov/partners/lenders...sba-7a-lenders

All pay 2 3/4% to 3%. 2 on the front end 1% to 3/4% rebate.