[inacio]

this is not legal advice - but -before you go off the deep ledge, i would suggest you read and comprehend
sba foom 159d - fee disclosure and form and compensation agreement

"if an applicant chooses to employ an agent, the compensation an agent charges to and that is paid by the applicant must bear a necessary and reasonable relationship to the services actually performed and must be comparable to those charged by other agents in the geographical area. Compensation cannot be contingent on loan approval....."

it is an obligation of the merchant to disclose whether they paid a fee

indeed