{"ok":true,"canonical_url":"https://dealroom.so/glossary/blended-term","api_url":"https://dealroom.so/api/public/glossary/blended-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-term","term":"Blended Term","group":"The loan itself","definition":"When an SBA loan includes financing for both real estate and a business acquisition, the loan term is \"blended\" to accommodate different asset types. Buyer cares because it impacts the overall loan repayment schedule and monthly payments.","what_it_means":"If your 7(a) loan finances real estate (up to 25 years) and a business acquisition (up to 10 years), the lender will average these terms. The blended term will be shorter than a pure real estate loan but longer than a pure business acquisition loan, which can improve your cash flow.","url":"https://dealroom.so/glossary/blended-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"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"maximum-loan-term","term":"Maximum Loan Term","url":"https://dealroom.so/glossary/maximum-loan-term"},{"slug":"amortization","term":"Amortization","url":"https://dealroom.so/glossary/amortization"},{"slug":"7a-loan","term":"7(a) loan","url":"https://dealroom.so/glossary/7a-loan"}],"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 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 the seller terminates the purchase agreement mid-process?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-the-seller-terminates-the-purchase-agreement-mid-process"},{"question":"Should a business choose term or permanent life insurance for key person protection?","url":"https://dealroom.so/sba-7a/questions/should-a-business-choose-term-or-permanent-life-insurance-for-key-person-protection"}]},"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 Term","url":"https://dealroom.so/glossary/blended-term","source_type":"DealRoom Data"}}