SBA loan basics
Short answer
The maximum repayment term for an SBA 7(a) loan depends on the use of the funds. For real estate, it can be up to 25 years. For equipment, it's typically 10 years, and for working capital or business acquisitions, it's also generally up to 10 years.
The SBA sets maximum loan maturities based on the useful life of the assets being financed. Loans for real estate (land and buildings) have the longest terms because these assets have a long useful life. Shorter terms apply to less durable assets or working capital.
A business owner acquires a building with an SBA 7(a) loan, allowing them a 25-year repayment schedule. If the loan was solely for working capital, the maximum term would typically be 10 years.
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
SBA 7(a) Loans Overview
Last checked 2026-06-13. Official sources control — verify before relying on any rule for a live deal.
Last reviewed 2026-06-13 · SBA sources checked through 2026-06-13. 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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