{"ok":true,"canonical_url":"https://dealroom.so/glossary/maximum-maturity","api_url":"https://dealroom.so/api/public/glossary/maximum-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":"maximum-maturity","term":"Maximum Maturity","group":"The loan itself","definition":"This is the longest allowable repayment period for an SBA loan, set by SBA rules. It dictates the maximum time you have to pay back the loan.","what_it_means":"For a business acquisition, the maximum maturity for an SBA 7(a) loan is typically 10 years, unless real estate is involved, which can extend it to 25 years. A longer maturity means lower monthly payments, which improves your cash flow after debt service.","url":"https://dealroom.so/glossary/maximum-maturity","official_sources":[{"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"},{"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":"repayment-schedule","term":"Repayment Schedule","url":"https://dealroom.so/glossary/repayment-schedule"},{"slug":"amortization","term":"Amortization","url":"https://dealroom.so/glossary/amortization"},{"slug":"cash-flow-after-debt-service","term":"Cash flow after debt service","url":"https://dealroom.so/glossary/cash-flow-after-debt-service"}],"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"},{"question":"What factors determine the maximum loan amount my business can qualify for?","url":"https://dealroom.so/sba-loans/basics/what-factors-determine-the-maximum-loan-amount-my-business-can-qualify-for"},{"question":"Is there a maximum dollar amount for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-a-maximum-dollar-amount-for-an-sba-7-a-loan"},{"question":"Is there a maximum dollar limit for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/is-there-a-maximum-dollar-limit-for-an-sba-7-a-loan"},{"question":"What is the maximum loan amount for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-maximum-loan-amount-for-an-sba-7-a-loan"},{"question":"What is the maximum percentage of an SBA 7(a) loan guaranty?","url":"https://dealroom.so/for-lenders/questions/what-is-the-maximum-percentage-of-an-sba-7-a-loan-guaranty"}]},"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 — Maximum Maturity","url":"https://dealroom.so/glossary/maximum-maturity","source_type":"DealRoom Data"}}