Long term loans repayment terms range from 2 years to 25 years. However, the most common long-term loans are 2 years to 5 years in repayment terms. The term business loans will vary based on the product you are approved for. However, typical SBA loans are up to 2-5 years. Depending on the loan product and your qualifications, it is possible to get up to 25 years in repayment terms for the SBA CRE program(commercial real estate), but more often than not, terms are from 2 years to 10 years in duration.