Refinance out of SBA debt without PG

searcher profile

August 21, 2025

by a searcher in New York, NY, USA

Looking to refinance out of SBA Debt. Doing above 3 million in ebitda. Have had the company for a couple years now. Any banks where I can refinance my SBA loan without a PG?
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commentor profile
Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I would be happy to have a discussion. Generally speaking most banks have requirements for personal guarantees on most types of loans. However, depending on the strength of your cash flow, collateral, and balance sheet, there may be options to get something done with no recourse or limited recourse. You can reach me here or directly at redacted
commentor profile
Reply by a lender
from University of Southern California in Los Angeles, CA, USA
Hi anon - your best option would be to look at SBIC lenders, but expect your rate to go up probably to 11-12% a year.
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