Which SBA loan programs have their own maximum terms?
Short answer
Several do. SOP 50 10 8.1, Appendix 17, Para. B sets 20 years for Manufacturers' Access to Revolving Credit (MARC) loans, 36 months for EWCP loans and 10 years for most CAPLines. SBA Express lines have their own limit too.
In this answer, EWCP means Export Working CapitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition Program.
SOP 50 10 8.1, Appendix 17, Para. B (begins p. 391) lists the programs with their own maturity rules.
- SBA Express lines of credit: 10 years, including any term-out period
- Working Capital, Contract and Seasonal CAPLines: 10 years
- Builders CAPLines: 60 months plus the estimated time to complete construction or rehabilitation (13 CFR § 120.396)
- MARC revolving loans: 20 years
- Export Express lines of credit: 7 years, including any term-out period
- Export Working Capital Program: 36 months
How the revolving periods work
- An SBA Express line over 12 months needs a term-out at least as long as its draw period.
- A MARC line may revolve for up to 10 years. It must then convert to a fully amortizing loan over up to 10 more years.
- A CAPLine under 10 years can renew if total revolving repayment does not exceed 120 months.
- EWCP lenders may set independent maturities during the loan term, typically annual.
Programs with no special rule
Standard 7(a), 7(a) Small, SBA Express term loans, Export Express term loans and International Trade loans use the general limits in Para. A (p. 390).
7(a) Working Capital Pilot
SBA's lender page lists a maturity of up to 60 months. The FY2027 fee notice has tiers through 60 months. The pilot runs August 1, 2024 through July 31, 2027.
Actual terms vary by lender.
Sources
- SOP 50 10 8.1, App. 17, Para. A (p. 390) and Para. B.3 to B.8 (begins p. 391)
- 13 CFR § 120.212, loan maturities
- SBA Information Notice 5000-881797, FY2027 7(a) fees, p. 4 (effective October 1, 2026)
- sba.gov/sba-lenders, 7(a) Working Capital Pilot loan terms (read November 8, 2026)
- 89 FR 57353 (July 15, 2024)
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