Non-SBA Lending for Acquisition with 40-60% Sponsor Equity

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March 27, 2026

by a searcher from Northwestern University in New York, NY, USA

Hi all, Independent sponsor with an institutional finance background actively working on lower middle-market acquisitions. I am in the financing phase on a current deal with an LOI submitted. Looking for non-SBA lending options. I am bringing 40-60% equity and the business has strong, verifiable cash flow with solid debt service coverage. I have worked through the full financial model and underwriting on my end already. Most threads I have seen here focus on minimal equity injection scenarios, so I would appreciate recommendations from anyone who has closed with conventional or private credit lenders on deals with meaningful sponsor equity. Happy to connect offline. Feel free to DM me or drop a comment and I will reach out directly. You can also reach me at redacted
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Reply by a professional
from Yeshiva University in New York, NY, USA
Roberto -- feel free to message me. I'm outside counsel to a bunch of lenders in the non-SBA space. Have a few questions re: structure and then happy to reach out to my clients. msg me here or redacted
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