I have a client that has owned 3 franchise restaurants (each with it's own EIN) in CA for over ten years with his partner 50/50. He has excellent credit and revenue (net profit of about $40,000 per month total). He would like to refinance all joint business debt into his name and net enough cash out to buy his partner down to 10% (90/10). This will take a loan size of about $600,000. He does not want to use an SBA loan, and is nearly bankable, so he is rate conscious. He is looking for at least a 4 year term and a fully amortized rate of not less than 15%. Anyone?