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