The field limit of a superconducting radio-frequency cavity made of a type II superconductor with a large Ginzburg–Landau parameter is studied, taking the effects of nano-scale surface topography into account. If the surface is ideally flat, the field limit is imposed by the superheating field. On the surface of cavity, however, nano-defects almost continuously distribute and suppress the superheating field everywhere. The field limit is imposed by an effective superheating field given by the product of the superheating field for an ideal flat surface and a suppression factor that contains the effects of nano-defects. A nano-defect is modeled by a triangular groove with a depth smaller than the penetration depth. An analytical formula for the suppression factor of bulk and multilayer superconductors is derived in the framework of the London theory. As an immediate application, the suppression factor of the dirty Nb processed by electropolishing is evaluated by using results of surface topographic study. The estimated field limit is consistent with the present record field of nitrogen-doped Nb cavities. Suppression factors of surfaces of other bulk and multilayer superconductors, and those after various surface processing technologies, can also be evaluated by using the formula.