Looking for Non-SBA funding Options

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February 05, 2026

by a searcher from The University of Chicago - Booth School of Business in Rochester Hills, MI, USA

Hello everyone, I’m exploring non-SBA financing options that require no more than 10% down and don’t involve equity sharing. I’d appreciate any suggestions.
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Reply by a searcher
from Florida Institute of Technology in Salt Lake City, UT, USA
There’s nothing quite like having the government backing the deal if the buyer can’t repay the loan, that’s why banks are much more comfortable lending. In theory, a 10% equity injection can work when someone with assets exceeding the loan amount personally backs it, but that’s rare and difficult in practice. Conventional loans are usually the next best option. The buyer puts in 20–30%, the seller carries 10–30%, and the bank finances the remainder, depending on the business’s risk profile. So the short answer is that there’s no straightforward path here and in many cases, those with the capital have more flexibility to sidestep these issues.
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Reply by a searcher
from The University of Chicago in Milan, Metropolitan City of Milan, Italy
I doubt this exists TBH (outside of maybe family & friends OK with structuring their investment as debt, only agreeing to this BECAUSE they are family & friends)
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