Seeking $500k Term Loan

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May 08, 2026

by a searcher from Massachusetts Institute of Technology - MIT Sloan School of Management in New York, NY, USA

I am seeking to learn if there are flexible lending solutions out there where a lender will issue a loan where the majority (70%) owner is willing to sign a personal guarantee but the 30% minority (passive) owner is not. This is a long established manufacturing business in the U.S. with 25-30% net income margins.
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Reply by a professional
in Philippines
I may have lending partners that could work with this structure, particularly on the non-SBA and private credit side. Traditional SBA lenders often require all 20%+ owners to provide a personal guarantee, but some conventional and private lenders are more flexible if the majority owner is financially strong and the business fundamentals support the request. The manufacturing industry, long operating history, and 25–30% net margins are all positive factors. Feel free to send over a quick overview of the business, requested use of funds, location, and any available financials, and I’d be happy to see which lending partners may be a fit. You can send everything to: redacted
commentor profile
Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
Yes, this is possibly on the conventional lending and non-bank lending side. We would be happy to take a look. You can reach me here or directly at redacted
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