Revolving Line of Credit Needed by SBA-Financed Company

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May 14, 2026

by an investor from Harvard University - Harvard Business School in Houston Heights, Houston, TX 77008, USA

Our company was acquired using a SBA 7(a) loan. We need a revolving line of credit to help finance growth. Unfortunately, finding a lender that will work with our existing SBA lender has been a challenge. Our SBA lender is willing to carve our accounts receivable and inventory but they want the revolving line lender to sign an intercreditor agreement that would prevent the revolving line lender from collecting collateral in some cases. Can you point me to a revolving credit line lender that will work with SBA financed companies?
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Reply by a searcher
from University of Central Florida in Caldwell, ID, USA
Pre-close on my own deal so I haven't lived this directly, but a few paths worth considering before going further down the conventional LOC route: SBA Express Line of Credit. Same SBA framework as your 7(a), no intercreditor headache. Caps at $500K. Often the cleanest path if your 7(a) lender offers it. Non-bank asset-based lenders. Brad's pointer is the right one. ABL specialists negotiate intercreditor agreements with SBA lenders constantly and have standardized language SBA sees regularly. North Mill, Triumph, Pinnacle Capital, CIT. Factoring. Sidesteps intercreditor entirely since the factor owns the AR rather than lending against it. More expensive but operationally simpler. One other resource: Matthias Smith at Pioneer Capital Advisory writes publicly about layering SBA Express alongside 7(a). Useful free intel even without engaging. Jason
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Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
You likely need to be talking to the non-bank asset based lenders. We might be able to assist with this. You can reach me here or directly at redacted
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