Anyone have experience working with SBIC Lenders?

I’m looking to better understand typical term sheets from SBIC lenders and would really appreciate insights from anyone with direct experience (especially independent sponsors or searchers). What does a typical amortization schedule look like? Are these negotiable? What kinds of financing fees are common? Which financial ratios should I pay the closest attention to? What is the typical timeline from initial discussions to closing? What are the current interest rates? I know terms are usually 5 years. If you’ve worked with an SBIC lender, I’d greatly value any practical insights, lessons learned, or things you wish you had known going into the process. Thank you in advance!