{"ok":true,"canonical_url":"https://dealroom.so/glossary/blended-loan-term","api_url":"https://dealroom.so/api/public/glossary/blended-loan-term","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"blended-loan-term","term":"Blended Loan Term","group":"The loan itself","definition":"This is the weighted-average maturity when a single 7(a) loan finances multiple assets with different maximum terms, like real estate (25 years) and business acquisition/working capital (10 years). It impacts your monthly payment.","what_it_means":"If your deal includes owner-occupied commercial real estate alongside the business acquisition, the lender will calculate a blended loan term. For example, 70% of the loan for real estate and 30% for business acquisition might result in a blended term closer to 20 years, making payments lower than a pure 10-year term.","url":"https://dealroom.so/glossary/blended-loan-term","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"term-maturity","term":"Term / maturity","url":"https://dealroom.so/glossary/term-maturity"},{"slug":"amortization","term":"Amortization","url":"https://dealroom.so/glossary/amortization"},{"slug":"owner-occupied-commercial-real-estate","term":"Owner-occupied commercial real estate","url":"https://dealroom.so/glossary/owner-occupied-commercial-real-estate"},{"slug":"principal-and-interest","term":"Principal and interest","url":"https://dealroom.so/glossary/principal-and-interest"}],"related_questions":[{"question":"When can a lender approve a short-term deferment or modification of a 7(a) loan's payment terms without prior SBA consent?","url":"https://dealroom.so/for-lenders/questions/when-can-a-lender-approve-a-short-term-deferment-or-modification-of-a-7-a-loan-s-payment-t"},{"question":"Can an SBA 7(a) loan finance tenant improvements on leased property if the lease term matches the loan term?","url":"https://dealroom.so/sba-7a/questions/can-an-sba-7-a-loan-finance-tenant-improvements-on-leased-property-if-the-lease-term-match"},{"question":"If I am buying a business that leases its property, can I get a longer loan term if the lease is long-term?","url":"https://dealroom.so/sba-7a/questions/if-i-am-buying-a-business-that-leases-its-property-can-i-get-a-longer-loan-term-if-the-lea"},{"question":"What is the average repayment term length for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-average-repayment-term-length-for-an-sba-7-a-loan"},{"question":"What is the typical repayment term for working capital only?","url":"https://dealroom.so/sba-loans/basics/what-is-the-typical-repayment-term-for-working-capital-only"},{"question":"What happens if a guarantor moves out of the country during the loan term?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-a-guarantor-moves-out-of-the-country-during-the-loan-term"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Blended Loan Term","url":"https://dealroom.so/glossary/blended-loan-term","source_type":"DealRoom Data"}}