SBA loan basics
Short answer
Yes, an SBA 7(a) loan can be used for the construction or renovation of a business property, and these loans can have longer repayment terms.
Funds can be used for building new facilities, modernizing existing ones, or improving leasehold properties. Real estate loans under the 7(a) program typically have maximum terms of 25 years, providing long-term financing for significant property investments.
A dentist wants to build a new office building for their practice. An SBA 7(a) loan can finance the land purchase, construction costs, and even the equipment for the new facility, with a 25-year repayment term.
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
7(a) Loan Program — Terms, Conditions, and Eligibility
U.S. Small Business Administration · Official SBA source
SOP 50 10 - Lender and Development Company Loan Programs
Last checked 2026-06-14. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-14 · SBA sources checked through 2026-06-14. DealRoom analysis of public SBA 7(a) lending records (FY2020–present). Grounded in the current SBA rulebook; verify against the official sources above before relying on it for a live deal. Not legal, tax, or financial advice, and not an approval decision.
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