Glossary · The loan itself
Maturity(Term / maturity)
In short
The full length of time, in years, over which you are scheduled to repay the loan. A longer maturity means lower monthly payments but more total interest paid over the life of the loan.
What it means in a deal
SBA 7(a) loans typically have maturities of 10 years for business acquisitions and up to 25 years if real estate is included. Understand how the loan's maturity affects your monthly debt service and overall cash flow. Negotiate the longest maturity possible to maximize cash flow after debt service.
Official sources
13 CFR Part 120 — Business Loans
Office of the Federal Register · Federal regulation
SOP 50 10 — Lender and Development Company Loan Programs
U.S. Small Business Administration · SBA Standard Operating Procedure
Last checked 2026-06-15. Official sources control — verify before relying on any rule for a live deal.
Related terms
Common questions about Maturity
Defined by CapBench SBA Intelligence — plain-English definitions for business buyers, lenders, advisors, and AI agents, grounded in public SBA rules and records. Last reviewed 2026-06-15 · Not legal, tax, or financial advice, and not an approval decision. Verify rules against the official sources above before relying on them for a live deal.
See which SBA lenders would fund your deal
Tell us the business, the price, and where you are — we'll point you to the lenders most likely to approve a 7(a) like yours and flag what trips up approval.
Free · No documents · Usually same-day
Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.