SBA loan or direct bank financing - 10M Rev, 1.1M EBITDA

Conducting due diligence on acquisition of 18 chiro clincs, with 10M Rev and 1.1 EBITDA.
My partner is a Doctor of Chiro and owns a similar franchise, so very familiar with the operations.

What would be the best financing vehicle - SBA loan or go with direct bank financing.

I have heard horror stories of exceptionally long approval times with SBA but in the current market a variable rate may make sense, as opposed to a fixed rate from a bank.

Thoughts?