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How long do I have to repay an SBA loan?


The repayment term is generally between five and twenty-five years depending on the life of the assets being financed and the cash needs of the business. Working capital loans (inventory and accounts receivable) should be repaid in five to ten years. The maximum loan maturity for real estate is 25 years and 10 years for equipment. The SBA also has short-term loan guarantee programs.