{"ok":true,"canonical_url":"https://dealroom.so/glossary/maturity","api_url":"https://dealroom.so/api/public/glossary/maturity","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":"maturity","term":"Maturity","aka":"Term / maturity","group":"The loan itself","definition":"The full length of time, in years, over which you are scheduled to repay the loan. A longer maturity means lower monthly payments but more total interest paid over the life of the loan.","what_it_means":"SBA 7(a) loans typically have maturities of 10 years for business acquisitions and up to 25 years if real estate is included. Understand how the loan's maturity affects your monthly debt service and overall cash flow. Negotiate the longest maturity possible to maximize cash flow after debt service.","url":"https://dealroom.so/glossary/maturity","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":"amortization","term":"Amortization","url":"https://dealroom.so/glossary/amortization"},{"slug":"principal-and-interest","term":"Principal and interest","url":"https://dealroom.so/glossary/principal-and-interest"},{"slug":"debt-service","term":"Debt service","url":"https://dealroom.so/glossary/debt-service"},{"slug":"variable-rate","term":"Variable rate","url":"https://dealroom.so/glossary/variable-rate"}],"related_questions":[{"question":"What steps should a lender take if a borrower with a 7(a) loan requests an extension of the loan maturity date?","url":"https://dealroom.so/for-lenders/questions/what-steps-should-a-lender-take-if-a-borrower-with-a-7-a-loan-requests-an-extension-of-the"}]},"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 — Maturity","url":"https://dealroom.so/glossary/maturity","source_type":"DealRoom Data"}}