SBA loan basics
Short answer
The longest repayment period available for an SBA 7(a) loan that includes real estate is 25 years.
SBA policy allows for extended repayment terms for loans that finance real estate, recognizing the long-term nature of such investments. Loans for real estate (purchase or construction) can have a maximum maturity of 25 years. This longer term results in lower monthly payments, making commercial property ownership more accessible and affordable for small businesses.
A manufacturing business takes out a $1.5 million SBA 7(a) loan to purchase its facility. The loan would typically be structured with a 25-year repayment term, significantly reducing the monthly burden compared to a 10-year term often seen in conventional equipment or working capital loans.
Lenders ensure that real estate collateral is properly appraised and that the loan authorization accurately reflects the 25-year term for real estate portions. They also consider the borrower's long-term financial stability to manage such an extended commitment.
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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