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The long-term loan usually has a maturity of 3-10 years although long-term bank loans can stretch out as far as 20 years depending on its purpose.
A small business mortgage is used to purchase real estate, either as an investment or as an operating location. Typical small business mortgage loans range from 5 to 25 years. Short-term mortgages are often balloon loans, meaning the payments are made based on a long-term repayment schedule with a final payment of all remaining principal and interest at maturity.