Combining other financing options with SBA Loans

searcher profile

December 15, 2020

by a searcher from Stanford University - Graduate School of Business in West Hollywood, CA 90069, USA

Hi - I'm exploring SBA Loans and wondering if SBA Lenders also syndicate with other types of loans? (e.g. would any of these lenders finance above the $5M SBA Loan capacity: https://www.sba.gov/article/2020/mar/02/100-most-active-sba-7a-lenders)

It may not be possible given the SBA Loan requirements (% of equity injected), but I thought there are structures that satisfy the requirements while allowing for additional debt, such as $5M SBA Loan + $2.5M Junior debt + $2.5M equity (25%).

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commentor profile
Reply by a lender
from California State University, Sacramento in Seattle, WA, USA
Live Oak Bank has a SBA + Live Oak Jr. Debt structure to help finance larger deals. We can maximize the SBA $5MM debt (10 year term) and add our own Live Oak Jr debt in second position (7 year Term) Feel free to email me for further details. redacted
commentor profile
Reply by a lender
from Baruch College in Las Vegas, NV, USA
Hi Thomas - I'm with a family office that offers non-SBA senior and/or sub debt term loans. We are very flexible on terms (no PG required) and are generally patient (2+ years interest only).

Feel free to send over some details: redacted
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