Scenario:

Industry: Construction
Income: 25Mill / year 2016, Tracking 25Mill+ 2017
TIB: 5yrs+ / Experience: 25yrs
Credit: 675-700
Collaterla: No R/E, Equipment Minimal or already Financed
Loan Amount Req'd: 3M-5M
Loan Type: Term
Loan Purpose: Consolidate 1Mill in MCAs plus Working Capital

Seeking competitive loan terms --- already has a commitment letter for 3Mill term loan, no invoice factoring. I've got 2-3 spots in mind, trying to come in as competitive as possible. Suggestions?