Sentence:  Business loans generally <WSD>are</WSD> repayable in regular installments - usually monthly , including interest at the rate of 5 - 1/2 percent per annum on the unpaid balance - and have a maximum maturity of 10 years ; the term of loans for working capital is 6 years . 
Meaning of the word marked with <WSD> tags:  have the quality of being; (copula, used with an adjective or a predicate noun)