Debt and "factoring" (e.g. Pipe[1]) are becoming good options for SaaS companies that might not "qualify" for VC. I started compiling the lenders / fintechs that focus on SaaS here [0].
It depends on the lender. Some of the larger ones take "warrants" to help protect against this. Most lenders (believe it or not) will want to negotiate terms that help you get back on track.
What exactly happens if u miss payments on these loans? (Do they write it off, negotiate equity, extend and pretend ?)