{"ok":true,"canonical_url":"https://dealroom.so/glossary/repayment-term","api_url":"https://dealroom.so/api/public/glossary/repayment-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":"repayment-term","term":"Repayment term","group":"The loan itself","definition":"The total time period, typically in years, over which you are scheduled to repay your SBA loan. A longer term usually means lower monthly payments but more total interest paid over the life of the loan.","what_it_means":"SBA 7(a) loans for business acquisitions typically have a 10-year repayment term. For real estate, it can extend to 25 years. Understand how the term affects your debt service coverage ratio and overall cash flow, as it directly impacts affordability and business sustainability.","url":"https://dealroom.so/glossary/repayment-term","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":"amortization","term":"Amortization","url":"https://dealroom.so/glossary/amortization"},{"slug":"debt-service","term":"Debt service","url":"https://dealroom.so/glossary/debt-service"},{"slug":"principal-and-interest","term":"Principal and interest","url":"https://dealroom.so/glossary/principal-and-interest"}],"related_questions":[{"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 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 repayment term for an SBA 7(a) loan used for business acquisition?","url":"https://dealroom.so/sba-7a/questions/what-is-the-repayment-term-for-an-sba-7-a-loan-used-for-business-acquisition"},{"question":"What is the typical maximum repayment term for an SBA 7(a) working capital loan?","url":"https://dealroom.so/sba-loans/basics/what-is-the-typical-maximum-repayment-term-for-an-sba-7-a-working-capital-loan"},{"question":"What is the typical maximum repayment term for an SBA 7(a) loan for equipment?","url":"https://dealroom.so/sba-loans/basics/what-is-the-typical-maximum-repayment-term-for-an-sba-7-a-loan-for-equipment"},{"question":"What is the typical repayment term for an SBA 7(a) loan specifically for business acquisition?","url":"https://dealroom.so/sba-7a/questions/what-is-the-typical-repayment-term-for-an-sba-7-a-loan-specifically-for-business-acquisiti"}]},"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 — Repayment term","url":"https://dealroom.so/glossary/repayment-term","source_type":"DealRoom Data"}}