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For the SBA 7(a) program: 10 year term with monthly payments ranging from 10.25-11.25% current interest rate (subject to change and subject to borrower's financials).

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The SBA also has a 25 year option available for purchases of commercial real estate where the owner occupies 51% or more of the property.

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When comparing programs, longer term programs generally have a smaller interest rate due to the spread. Over time, the interest adds up so we always recommend paying more than your minimum payment. Use our calculator to compare the cost of capital.