I agree with Jason. If your earnout is so large that your cash flows generated cannot cover it, I would question the size of the earnout negotiated (unless your initial consideration paid is so low, you are essentially having the buyer wait to be paid which is unlikely).

That being said, you might consider a delayed draw term loan. Happy to talk through further.

Earnouts are not allowed with SBA, but buyer rebates are which is essentially the same idea but the ultimate benefit(s) can only go to the buyer. If you'd like to discuss further you can reach me here or redacted