SBA loan basics
Short answer
For an SBA 7(a) loan used for business acquisition, the maximum repayment period is typically 10 years, unless the loan includes real estate, in which case it can extend up to 25 years.
The repayment terms for SBA 7(a) loans vary based on the use of proceeds. Loans for working capital or equipment generally have shorter terms (up to 10 years), while loans primarily used to purchase or renovate real estate can extend to 25 years to align with the useful life of the asset.
A buyer acquires a business for $750,000, consisting mostly of goodwill and equipment. The loan would have a 10-year repayment term. If the acquisition also included the commercial building valued at $500,000, the entire loan could be amortized over 25 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 2026-06-14. 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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