Glossary · The loan itself
Repayment term
In short
The total time period, typically in years, over which you are scheduled to repay your SBA loan. A longer term usually 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 for business acquisitions typically have a 10-year repayment term. For real estate, it can extend to 25 years. Understand how the term affects your debt service coverage ratio and overall cash flow, as it directly impacts affordability and business sustainability.
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 Repayment term
- What is the typical repayment term for working capital only?
- What is the average repayment term length for an SBA 7(a) loan?
- What is the repayment term for an SBA 7(a) loan used for business acquisition?
- What is the typical maximum repayment term for an SBA 7(a) working capital loan?
- What is the typical maximum repayment term for an SBA 7(a) loan for equipment?
- What is the typical repayment term for an SBA 7(a) loan specifically for business acquisition?
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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