How long do business loans last?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Business loan terms vary by product: MCAs run 3-18 months, working capital 6-24 months, lines of credit are revolving, equipment financing 36-60 months, invoice factoring is per-invoice (no fixed term), SBA loans 5-25 years, commercial real estate loans 5-25 years. Most alternative loans are short-term.

Key Details

  • MCA: 3-18 months
  • Working capital: 6-24 months
  • Line of credit: revolving
  • Equipment financing: 36-60 months
  • Invoice factoring: per-invoice
  • SBA loan: 5-25 years
  • Commercial real estate: 5-25 years
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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