Lee - I would be more than happy to have a conversation with you to discuss potential options. Most SBA 7A lenders have a general UCC in place that ties up all collateral. That will often times restrict you in what you can borrow from other institutions. However, the SBA does not really put any reliance on A/R in their collateral formula. Because of that if you need more capital to grow it might be possible to get your lender to release the A/R portion from their UCC, which would open you up to a wide variety of A/R financing options from factoring to asset based lines of credit. We have done quite a bit of lending to quickly growing businesses, even if cash flow is not fully there to support borrowing needs. Again, I am more than happy to discuss options and I can be reached at redacted

If you require something urgently, for short term I would try FundingCircle. In 2019 we got funded in 48 hours from start to end - no collateral - $500K. The interest rate we got was high (10%+) but it was a short term loan that we needed to fund expansion.