75 BP is not 2%

SBA Fees are what lenders are allowed to charge and maintain:

https://www.sba.gov/partners/lenders...ction-header-9

Note 2: For example, the guaranty fee on a $100,000 loan with an 85% guaranty would be 2% of $85,000 or $1,700, of which the lender may retain $425.

SBA Fees do not factor into your commission - any Bank that I've spoken with - when they pay a referral fee - is always based upon the funded amount which
is part of the closing documents -

***Prohibited feesProcessing fees, origination fees, application fees, points, brokerage fees, bonus points, and other fees that could be charged to an SBA loan applicant are prohibited. The only time a commitment fee may be charged is for a loan made under the Export Working Capital loan program