Conventional (Non-SBA) Loans for Acquisitions — Experiences?

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January 21, 2026

by a searcher from University of Pennsylvania - The Wharton School in Philadelphia, PA, USA

Has anyone here used a conventional (non-SBA) loan to acquire a business? I’d love to hear: Typical terms (rate, amortization, leverage, covenants) Whether personal guarantees were required Lenders/providers you’d recommend Asking because some sellers are concerned about PGs under SBA financing. Any firsthand experiences or referrals would be much appreciated. Thanks! Kai
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Reply by a searcher
from The University of North Carolina at Chapel Hill in Philadelphia, PA, USA
Hi Kai, happy to talk through this. I use conventional financing.
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Reply by a searcher
from University of North Texas in Dallas, TX, USA
Hi Kai; Please send me a DM and I will give you some alternatives. thanks
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