{"ok":true,"canonical_url":"https://dealroom.so/glossary/staggered-maturity","api_url":"https://dealroom.so/api/public/glossary/staggered-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":"staggered-maturity","term":"Staggered Maturity","group":"The loan itself","definition":"This refers to structuring an SBA loan with different repayment terms for different components, such as a shorter term for working capital and a longer term for real estate.","what_it_means":"Instead of a single Blended Maturity, some lenders might structure a loan with Staggered Maturity, meaning different portions of the loan have different repayment schedules. For instance, the working capital component might be a 7-year term, while the real estate component is 25 years. This can sometimes optimize cash flow but adds complexity.","url":"https://dealroom.so/glossary/staggered-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"}],"related":[{"slug":"blended-maturity","term":"Blended Maturity","url":"https://dealroom.so/glossary/blended-maturity"},{"slug":"term-maturity","term":"Term / maturity","url":"https://dealroom.so/glossary/term-maturity"},{"slug":"working-capital","term":"Working capital","url":"https://dealroom.so/glossary/working-capital"},{"slug":"amortization","term":"Amortization","url":"https://dealroom.so/glossary/amortization"}],"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 — Staggered Maturity","url":"https://dealroom.so/glossary/staggered-maturity","source_type":"DealRoom Data"}}