Commercial real estate.
Veteran-first underwriting.
Long-term, bridge, construction, fix & flip, and DSCR loans for veteran investors and business owners — underwritten by specialists who understand veteran income structures: BAH, disability, and business revenue, together.
Borderline DSCR — flagged for manual review
Illustrative only · assumes a 6.5% capitalization rate · actual underwriting uses your submitted financials
Run my real deal →Debt Service Coverage Ratio, or DSCR, compares a property's income to its debt payments. Most of our commercial programs qualify the loan on the property's cash flow, not your personal W-2. Adjust the sliders above and see how it moves — then submit your real numbers and a specialist will confirm what you actually qualify for.
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Loan programs we run
Built for every stage of the deal
Five real programs, one relationship. Your specialist helps you pick the right one — you don't have to know in advance.
CRE Long-Term Loan
Permanent financing for stabilized, income-producing property — multi-family, mixed-use, office, retail, or industrial. Built for investors holding long-term.
CRE Bridge Loan
Short-term financing to close on an acquisition while permanent financing is arranged, or while the property is repositioned toward stabilization.
Construction Loan
Ground-up construction or major renovation, structured to convert into permanent financing once the property is complete and leased.
Fix & Flip Loan
Acquisition and reposition capital for value-add commercial or multi-family deals — buy, improve, and exit or refinance.
DSCR Loan
The property's own income qualifies the loan — not your personal W-2. Built for investors scaling a rental or commercial portfolio.
Why VAB
The Veteran Alliance difference
Your deal isn't shopped to a broker network. One point of contact, from first call to funding.
How it works
Deal review to close
This is our program with our own underwriting team — not shopped out.
Property, numbers, and what you're trying to do. No application required to start.
Your dedicated specialist runs it against our current loan programs and tells you straight whether — and how — it works.
Real numbers in writing before full underwriting begins. No teaser terms that move later.
Appraisal, financials, and title move together, with one point of contact from first call to funding.
Straight answers
Commercial CRE questions
Debt Service Coverage Ratio compares a property's income to its debt payments. Most of our commercial programs qualify the loan on DSCR — not your personal W-2. Lenders generally want to see it at or above 1.25x, though the exact minimum depends on the program and the deal.
Multi-family, mixed-use, office, retail, industrial, warehouse, and hospitality — across our long-term, bridge, construction, fix & flip, and DSCR programs.
No. Submit your deal above and a commercial lending specialist reviews it — free, no application, no credit pull.
Yes — our commercial application supports 1031 exchange coordination as part of your funding request, including timeline and identification requirements.
The full commercial loan application is a member benefit. Submitting a deal for review here isn't — chat with Sgt. Savings first, join when you're ready to move forward.
SBA loans are generally for owner-occupied or business-operations financing. Our CRE programs are built for investment and income-producing property, where the property's own cash flow — not just the business — qualifies the deal.
Your next deal
starts here.
A free deal review with a commercial lending specialist — we tell you what's realistic before any application.
Commercial real estate loans are subject to credit, property, and underwriting approval. Terms vary by program.