SBA loan basics
Short answer
The maximum repayment period for an SBA 7(a) loan that includes real estate is 25 years. This long term helps to make monthly payments more affordable for businesses.
For loans involving real estate, the SBA permits a maximum repayment term of up to 25 years. This extended term applies when the majority of the loan proceeds are used for real estate acquisition or construction. Loans for equipment typically have a maximum term of 10 years, and for working capital, it's generally 7 years.
A business secures a $1,000,000 SBA 7(a) loan, with $800,000 for purchasing a commercial building and $200,000 for working capital. The entire loan would be structured with a 25-year repayment term due to the significant real estate component.
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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