Self-funded bridge loan or pref

Hi team, I am reviewing two businesses that are experiencing meaningful EBITDA growth yoy and recognize that the banks / SBA will not give full credit for LTM or 2025 until it seasons a bit. I am brainstorming alternatives to “over-equitize” the deal without having that equity trapped at the business. I am not sure whether this makes sense, but has anyone considered a self funded loan or pref as part of their structure (in addition to their common equity) as a bridge that can be taken out in 6-12 months? Thought that could be easier than asking the bank to fund an ordinary dividend recap on common equity in 6-12 months.