SBA loan basics
Short answer
The maximum repayment period for an SBA 7(a) loan varies depending on what the loan is used for, with different maximums for real estate, equipment, and working capital.
The SBA sets maximum loan maturities: up to 25 years for real estate, up to 10 years for equipment, and up to 10 years for working capital. The actual term is determined by the lender based on the asset's useful life and the business's ability to repay.
A loan primarily for commercial real estate might have a 25-year term. A loan solely for new computers and software would likely have a 5-7 year term, matching the useful life of the equipment. A working capital loan is typically 7-10 years.
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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