Buying a Trades Business Without Licensure - How to Navigate SBA Process & Mitigate Key Man Risk?

I know this topic has been discussed extensively on this platform and elsewhere, but I don't think I've ever come across a clear, comprehensive answer. Also, based on conversations I've had with SBA lenders, it feels like the market has shifted towards a more conservative stance on this issue in recent months (for understandable reasons). For context, I am conducting a self-funded search, and I plan to target the three staple trades (HVAC, plumbing, and electrical), but I am not licensed. My professional background is in finance, but I grew up in a blue-collar environment and was raised by a family member who ran a small HVAC business, so these industries generally offer me a) the best cultural fit, and b) the financial profile that I am looking for (in terms of business model, revenue quality, and competitive landscape). My questions are: 1) How common is it, in today's environment, for the SBA to provide financing to buyers of trades businesses who do not hold the required licensing? Is it common or is it rare? I'm trying to get a sense of whether or not I'm fighting an uphill battle with a limited chance of success, or if success is likely (for the right deal, obviously), so long as I navigate the obstacle of ensuring that I have access to a licensed professional post-close. 2) What is the most effective, practical way for buyers of these businesses who do not have the required licensing to a) predictably make it through the SBA financing process and b) mitigate key man risk? From what I understand, most SBA lenders would like to see the license holder be a guarantor in an ideal world, but I just don't think this approach is practical (correct me if I'm wrong). Has anyone actually ever seen sellers / license holders agree to being a guarantor? 3) Am I wasting my time looking at these businesses without a license? I'd hate to put significant time and energy into focusing on these industries, only to have a good deal fall apart due to my inability to get through the SBA process.