When SBA Isn't the Right Fit—Or Isn't an Option

If you're working on a deal where SBA doesn't make sense, I have a conventional loan product worth knowing about: Non-U.S. citizen with no path to SBA eligibility Transaction over $5MM and need a pari passu structure Complex seller compensation—earn-outs, seller notes without standby, retained equity—that SBA won't allow The product: Up to $15MM 25-year amortization Potentially zero equity injection (liquidity still required) Real estate collateral (personal or business) covering 30–50% of the loan This isn't a fallback—it's often the better structure depending on deal dynamics. Drop me a message if you want to talk through a deal.