Posting anonymously because 1) live deal 2) I'm employed and would like to remain so should this deal fall apart.

Target has grown tremendously over the past 2 years. Our SBA officer has concerns about underwriting because:
1) Collateral: Target is asset-light and so am I
2) Not enough history of cash flow sufficient to cover debt service

I'm looking for ideas on how to approach differently to solve the collateral issue