Repayment terms for Small Business Administration (SBA) loans vary significantly based on the specific loan program and the intended use of the borrowed capital. For SBA 7(a) loans, working capital and equipment financing typically feature repayment terms spanning up to 10 years, while real estate acquisition loans extend up to 25 years. Meanwhile, SBA 504 loans provide long-term, fixed-rate financing structured specifically around 10-year or 20-year terms for major fixed assets and commercial real estate projects.