Does non-SBA finance below $5m really exist?

intermediary profile

January 01, 2026

by an intermediary from Bentley University in Charleston, SC, USA

As a capital advisor, I am constantly asked about non-SBA finance products that provides up to $5m at 90% LTV. I have yet to find a 90% LTV non-SBA product for up to $5m. Asset based lending Revenue based finance/ Cash flow finance Conventional finance PE Mezz PC I've explored each of these instruments heavily and I am convinced that it doesn't exist. (Non-SBA finance that provides up to $5m at 90% LTV) Would love to hear some different views on this.
1
2
85
Replies
2
commentor profile
Reply by a searcher
in Raleigh, NC, USA
its possible but you have to get very creative. Lenders are leery without liens. I have seen some but only where there is a lot of inventory or assets and only as a combination with seller financing
commentor profile
Reply by a searcher
from Georgia Southern University in Orlando, FL, USA
well, there's seller financing. that exists. :)
Join the discussion