{"ok":true,"canonical_url":"https://dealroom.so/sba-7a/questions/if-the-business-acquisition-includes-real-estate-can-i-get-a-25-year-term-for-the-entire-l","api_url":"https://dealroom.so/api/public/questions/if-the-business-acquisition-includes-real-estate-can-i-get-a-25-year-term-for-the-entire-l","question":"If the business acquisition includes real estate, can I get a 25-year term for the entire loan amount?","topic":"Real estate","audience":"borrower","bot_mode":"buyer","short_answer":"Yes, if real estate is part of the acquisition, the entire SBA 7(a) loan can be structured with a maximum term of 25 years.","rule":"When a 7(a) loan includes the purchase of real estate, the maximum loan maturity is 25 years. If the loan also finances non-real estate assets (like business acquisition costs or equipment), the SBA allows the entire loan amount to be amortized over the longest eligible term, which is 25 years in this case, provided the real estate component is significant.","example":"A buyer acquires a manufacturing business for $1,500,000, with $800,000 allocated to real estate and $700,000 to business assets. The entire $1,500,000 loan can be structured with a 25-year repayment term.","what_lenders_check":"Lenders verify the real estate's value relative to the total loan amount and ensure appropriate collateralization. While the term can be 25 years, they will still underwrite for cash flow to ensure the business can support the payments.","required_facts":["Real estate included","25-year maximum term","Entire loan amortized","Significant real estate component"],"source_families":["SOP 50 10 - Lender and Development Company Loan Programs","13 CFR Part 120 - Business Loans","7(a) Loan Program Terms, Conditions, and Eligibility"],"official_sources":[{"title":"SOP 50 10 - Lender and Development Company Loan Programs","url":"https://www.sba.gov/sites/default/files/2025-05/SOP%2050%2010%208%20Technical%20Updates%20effective%206.1.2025.docx"},{"title":"13 CFR Part 120 - Business Loans","url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120"},{"title":"7(a) Loan Program Terms, Conditions, and Eligibility","url":"https://www.sba.gov/partners/lenders/7a-loan-program/terms-conditions-eligibility"}],"related_questions":[{"question":"Can I include the purchase of commercial real estate, where the business operates, within the same SBA 7(a) loan for a $2 million deal?","url":"https://dealroom.so/sba-7a/questions/can-i-include-the-purchase-of-commercial-real-estate-where-the-business-operates-within-th"},{"question":"What type of property appraisal is required if my $1.2 million SBA loan includes commercial real estate?","url":"https://dealroom.so/sba-7a/questions/what-type-of-property-appraisal-is-required-if-my-1-2-million-sba-loan-includes-commercial"},{"question":"Can I use an SBA 7(a) loan to purchase the real estate where the business operates?","url":"https://dealroom.so/sba-7a/questions/can-i-use-an-sba-7-a-loan-to-purchase-the-real-estate-where-the-business-operates"},{"question":"What happens if the business I am acquiring is located in a leased property?","url":"https://dealroom.so/sba-7a/questions/what-happens-if-the-business-i-am-acquiring-is-located-in-a-leased-property"},{"question":"What kind of environmental due diligence is required if the business real estate is included in the loan?","url":"https://dealroom.so/sba-7a/questions/what-kind-of-environmental-due-diligence-is-required-if-the-business-real-estate-is-includ"},{"question":"Can an SBA 7(a) loan be used to buy a business that has environmental issues?","url":"https://dealroom.so/sba-7a/questions/can-an-sba-7-a-loan-be-used-to-buy-a-business-that-has-environmental-issues"}],"related_terms":[{"term":"Real Estate Acquisition","url":"https://dealroom.so/glossary/real-estate-acquisition"},{"term":"Business real estate","url":"https://dealroom.so/glossary/business-real-estate"},{"term":"Commercial Real Estate Acquisition","url":"https://dealroom.so/glossary/commercial-real-estate-acquisition"},{"term":"Passive real estate business","url":"https://dealroom.so/glossary/passive-real-estate-business"},{"term":"Real Estate","url":"https://dealroom.so/glossary/real-estate"},{"term":"Business acquisition","url":"https://dealroom.so/glossary/business-acquisition"}],"related_tools":[{"name":"SBA 7(a) payment & fee calculator","url":"https://dealroom.so/sba-7a/calculator"},{"name":"Find an active SBA 7(a) lender","url":"https://dealroom.so/lenders"}],"data_freshness":{"last_reviewed":"2026-06-14","sba_rule_sources_checked_through":"2026-06-14"},"citation":{"label":"DealRoom.so SBA 7(a) Q&A","url":"https://dealroom.so/sba-7a/questions/if-the-business-acquisition-includes-real-estate-can-i-get-a-25-year-term-for-the-entire-l","source_type":"DealRoom Q&A"},"caveats":["Grounded in the current SBA rulebook; verify against official sources before relying on it for a live deal.","Not legal, tax, or financial advice and not an approval decision."]}