I would reach out to Kevin@ Seacoast maybe something up his ally establishing a ABL facility. A Business that's expanding will be needing more and more capital most likely. To put him where he gets maxed out on a 1st lien and fixed payment when he will need more funds down the line could backfire on merchant. If merchant is willing to do ABL facility if its possible his Line increases as his business increases so they will always have liquidity. If not SBA only way to give him 10 yr term.