Up to 25 years for an SBA loan secured by real estate, 10 years on everything else. Up to 30 years for a USDA Business & Industry loan secured by real estate, up to 10 years for a loan secured with equipment, and up to 7 years for a loan secured by working capital assets. Other USDA programs, such as Community Facilities and 538 Multi-Family Housing can have longer terms, if the useful life of the project supports it.