I'm looking at a business that has fleet of vehicles and containers that have current market value worth almost 70% of the purchase price of the business. The nature of the business is very low risk in general, with most of the revenue recurring and stable for the past few years.

Would SBA lenders be willing to entertain longer term than the typical 10 year for a business like this, given the value of the physical assets that come with the business? 15 years perhaps? Given the low risk profile of the business, it's priced at premium so having longer amortization term will definitely help with cashflow and DSCR.

Any lenders here that can provide perspective?

Thank you