I have a HVAC company I am negotiating with and I am expecting that we will agree to terms this week, we are working out some finer details. I am wondering what terms and interest rates everyone is seeing in the market for Non SBA loans?

The company achieving $1M in EBITDA and we settled on a 3.5 x multiple. I have a 20% deposit and would like a 7 year amortization schedule vs 5 years, if possible with no personal guarantee. Is this possible?

Thank you.