What areas can buyers negotiate with SBA lenders on 7a loans? Rates, fees, term, interest only periods, covenant holidays, etc.?

How much wiggle room is there to negotiate on interest rate spreads usually? Do lenders typically put their best foot forward on the term sheet or expect to come down after negotiation?

Is there a good website that shows an index of where SBA lenders are landing on rates?

Would love any recommendations.