Glossary · The loan itself
Maturity Date
In short
This is the date your SBA loan is fully paid off. It's crucial because it dictates the total repayment period and affects your monthly payment amount.
What it means in a deal
For an SBA 7(a) business acquisition loan, the maturity date is typically 10 years. A longer maturity date means lower monthly principal and interest payments, improving your cash flow for running the business. Confirm the exact term in your loan authorization.
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 Date
- What steps should a lender take if a borrower with a 7(a) loan requests an extension of the loan maturity date?
- Does a personal guaranty extend to my personal assets acquired after the loan closing date?
- What happens if a buyer fails to complete their required equity injection by the closing date?
- How long is an SBA 7(a) loan authorization typically valid from the E-Tran approval date?
- What happens if a buyer fails to complete their required cash equity injection by the closing date?
- What happens if the seller's standby note is not properly subordinated or documented by the closing date?
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.
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