Business Lending

Capital to Fuel Your Business Growth.

Q: What credit score do I need?

It depends on the product, and it's listed on every card above so you're not guessing. SBA 7(a) starts at 640+, Rapid SBA at 700+, and our unsecured line of credit at 600+. On the other end, Working Capital / Revenue Financing and our Merchant Cash Advance don't have a hard minimum FICO — they're underwritten more on cash flow and card processing volume than credit score.

Q: How long does approval take?

SBA 7(a) pre-approval runs about 48 hours, with funding in as fast as 14 days. Lines of credit and working capital can fund same day once approved. Equipment financing is typically a same-day approval. Whatever the product, your lending advisor tells you the real timeline for your file up front — not a marketing range.

Q: What documents do I need?

Baseline is two years of business tax returns, personal tax returns, three months of bank statements, and business financials — SBA products ask for more on top of that. Our Smart Application can Plaid-verify your bank statements directly, so for a lot of products you're not manually hunting down and uploading PDFs.

Q: Can I get a loan for a new business?

Yes. Startup Capital (Syndicated) goes up to $250K with no hard credit check and no upfront fees, and 0% APR Credit Stacking gets qualified founders up to $100K at 0% for 6-24 months with no income verification. Both are built for businesses that don't have two years of financials yet — strong personal credit and a clear plan matter more than time in business.

Q: How does the Smart Application actually work?

It's one form instead of twenty. Tell us about your business once and it Plaid-verifies your financials, runs instant property lookups for real estate-backed products, and matches you against SBA, credit lines, equipment financing, and the rest — usually in under 30 minutes. If a product needs something the form doesn't capture, your lending advisor follows up directly instead of bouncing you back to start over.

Q: Are the Business Expansion and Acquisition loans separate loan programs?

No — they're the same Business Term Loan and SBA 7(a) programs listed above, framed around what you're actually using the money for. An expansion loan runs through our standard term-loan underwriting; an acquisition loan runs through SBA 7(a), which is the program most business purchases and buyouts go through anyway. Same products, same terms, matched to your goal instead of a separate application.

SBA loans, lines of credit, equipment financing, commercial real estate — 20+ real products for veteran-owned businesses, and one application that matches you to the right one instead of making you shop it at six different lenders.

Talk to a Lender

$5M

Max SBA Loan

48 Hrs

Pre-Approval

20+

Loan Products

APR Stacking

NEW: Our Smart Application handles ALL 20+ loan products in one form. Get Plaid-verified financials, instant property lookups, and cross-sell opportunities for CC processing, group benefits, and more - all in under 30 minutes!

Government-Backed

SBA Loans

Government-backed loans with the lowest rates and longest terms. The gold standard of business financing.

SBA 7(a) Loan

Up to $5M

10-25 yearsPrime + 2-6%

The gold standard of business loans. Government-backed with the lowest rates and longest terms available.

Pre-approval in 48 hours
Funding within 14 days
No prepayment penalties
No bank statements required options

Requirements: 2+ years in business, 640+ credit, $60K+ annual revenue

Learn More

Rapid SBA Loan

$50K - $150K

Up to 10 yearsPrime + 4.75%

The fastest SBA loan in America. Minimal documentation, fast pre-approval, apply up to 3 times per year!

Funding in as fast as 1 week
Minimal documentation
No bank statements required
Apply every 90 days

Requirements: 2+ years in business, 700+ credit, $175K+ annual revenue

Learn More

Revolving Capital

Lines of Credit

Revolving credit - access funds when you need them, only pay interest on what you use.

Unsecured Line of Credit

$5K - $1M

6-36 months revolvingAs low as 0.5%/month

Access funds like a credit card - simple interest means the earlier you pay, the more you save!

Same day funding available
Funds available on demand
Only pay on what you use
Weekly or monthly payments

Requirements: 12+ months in business, 600+ credit, $15K+ monthly revenue

Apply Now

Secured Line of Credit

$250K - $20M

6-36 months revolving3-16%

Larger credit facilities secured by receivables, equipment, inventory, or real estate.

Higher limits available
Multiple collateral options
As fast as 1 week funding
Revolving access

Requirements: 12+ months in business, 650+ credit, $50K+ monthly revenue

Apply Now

Fast Operational Funding

Working Capital & Term Loans

Fast funding for operational needs. Daily, weekly, or monthly payment options available.

Business Term Loan

$10K - $15M

6 months - 10 years6-17%

Predictable payments for large one-time expenses. Choose weekly, bi-weekly, or monthly payments.

No prepayment penalties
Flexible payment frequency
Funding in < 1 week
Alternative to bank loans

Requirements: 24+ months in business, 650+ credit, $20K+ monthly revenue

Apply Now

Working Capital / Revenue Financing

$2K - $15M

3-36 monthsFactor rate 1.12-1.55

Short-term operational funding with flexible payment options. 90% approval rate for card-processing businesses!

Same day funding available
Daily, weekly, or monthly payments
500+ credit accepted
No minimum FICO technically

Requirements: 6+ months in business, $5K+ monthly revenue

Apply Now

Merchant Cash Advance (MCA)

$2K - $500K

3-18 monthsFactor rate 1.12-1.55

Advance against future sales with automatic repayment. No fixed payment schedule - pay as you earn!

24-48 hour funding
No fixed monthly payments
No minimum credit score
Repay from daily sales

Requirements: 3+ months processing cards, $5K+ monthly card sales

Apply Now

Asset-Backed

Equipment & Asset Financing

Finance equipment purchases or leverage your outstanding invoices for immediate cash.

Equipment Financing

$1K - $20M

Up to 10 years5.99% - 24.99%

Finance new or used equipment with up to 100% LTV. Same-day approvals, 90% industry coverage!

Same day approvals
500+ FICO accepted
Titled equipment OK
Deferred payment options

Requirements: 6+ months in business, equipment quote/invoice required

Apply Now

Invoice Factoring

$10K - $5M

1-24 months revolving0.01% - 3.5% per invoice

Access a revolving line secured by your outstanding invoices. Get up to 90% of invoice value immediately!

Funds upon receipt of invoice
Grows with your business
Funding in less than 1 week
No fixed loan term

Requirements: 6+ months in business, 550+ credit, B2B invoices

Apply Now

All Property Types

Commercial Real Estate

Financing for all property types: Office, Retail, Industrial, Multi-family, Self-Storage, Hotels, and more.

Commercial Real Estate - Long Term

$200K - $150M

5-40 years6%+

Buy or refinance stabilized properties with up to 40-year amortization. All property types accepted!

Close within 30 days
600+ credit accepted
No appraisal options

Learn More →

Bridge Loan

$250K - $75M

6-36 months8-15%

Short-term financing for value-add properties or quick closings. Perfect for repositioning!

Close within 14 days
No appraisal options
600+ credit accepted

Learn More →

Construction Loan

$200K - $150M

6-24 months8-15%

Build new properties for business or investment purposes. Up to 85% LTV with fast approvals.

Close within 3 weeks
Up to 85% LTV
No experience required

Learn More →

Fix and Flip Loan

$200K - $5M

6-24 months8-15%

Rehab financing for residential properties. Up to 90% LTV with no appraisal options!

Close within 21 days
Up to 90% LTV
No appraisal options

Learn More →

DSCR Loan (No Tax Returns)

$200K - $3M

Up to 40 years6-8%

Investment property loans based on property cash flow - no personal tax returns required!

Close within 14 days
No tax returns needed
DSCR as low as 0.75x

Learn More →

NOT YET AVAILABLE

🎖️ Veteran Alliance Business Loan

The Veteran Alliance's own business loan program — 0-5% down payment, below-market rates, no business history required. It isn't a product we can put in your hands yet, and we're not going to pretend otherwise with a countdown.

0-5% down paymentBelow market ratesExclusive for VAB MembersNo business history required

Talk to Your Banker →

For Startups & Specialty Needs

Startup & Specialty Programs

Special financing options for startups, 0% APR programs, and energy efficiency loans.

Startup Capital (Syndicated)

$10K - $250K

VariableMultiple offers

Multiple term loan offers with no upfront fees and no hard credit checks. Great for startups!

No hard credit checks
No upfront fees
Multiple offers to choose
Tax deductible fee

Requirements: 650+ credit, $40K+ verifiable annual income

Apply Now

0% APR Credit Stacking

$1K - $100K

6-24 months at 0% APR0% introductory APR

Multiple 0% APR credit lines for startups - no income verification required! Average funding: $50K.

0% APR for 6-24 months
No income verification
All industries accepted
Average $50K funded

Requirements: 680+ credit, 1+ year credit history, 4 or fewer inquiries in 6 months

Apply Now

For Growing & Buying

Expansion & Acquisition

Opening a new location or buying a business outright — real financing built around the goal, not just the dollar amount.

Business Expansion Loan

$10K - $15M

6 months - 10 years6-17%

Opening a second location, adding equipment, or growing headcount. This is our Business Term Loan, structured around a growth plan instead of a single one-time expense.

Same Business Term Loan terms shown above
Funding in < 1 week
No prepayment penalties
A lending advisor who's run this playbook before

Requirements: 24+ months in business, 650+ credit, $20K+ monthly revenue

Apply Now

Business Acquisition Loan

Up to $5M

10-25 yearsPrime + 2-6%

Buying an existing business, or buying out a partner. SBA 7(a) is the loan program most acquisitions run through — same program, same terms as our SBA 7(a) product above, built for this specific use.

Government-backed structure
Longest terms available for this purpose
Pre-approval in 48 hours
No prepayment penalties

Requirements: 2+ years in business, 640+ credit, $60K+ annual revenue

Apply Now

Why Businesses Choose The Veteran Alliance

Veteran-Staffed Lending Team

The advisors reviewing your application served too. You're not translating your business into terms built for someone who's never worn the uniform.

One Lending Advisor, Start to Close

The advisor who takes your first call is the one who gets you to funding — not a rotating queue of reps who make you re-explain your business every time you call.

The Rate You See Is What You Underwrite Against

Every product on this page shows its real rate range or factor rate up front, not a teaser number that changes once underwriting starts.

20+ Products, One Application

SBA, lines of credit, equipment financing, invoice factoring, commercial real estate — our Smart Application matches you to the right product instead of making you shop it separately at six different lenders.

Multiple Ways to Start or Expand Your Business

Tell Us About Your Business

One Smart Application — basic business info and what you need the money for. Not the same file re-typed at six lenders.

Get Matched

We match you to the products you actually qualify for and show you the real rate range up front — not a teaser number.

Close & Fund

Your lending advisor takes it from approval to funding — for a lot of products, in under a week.

Frequently Asked Questions

It depends on the product, and it's listed on every card above so you're not guessing. SBA 7(a) starts at 640+, Rapid SBA at 700+, and our unsecured line of credit at 600+. On the other end, Working Capital / Revenue Financing and our Merchant Cash Advance don't have a hard minimum FICO — they're underwritten more on cash flow and card processing volume than credit score.

SBA 7(a) pre-approval runs about 48 hours, with funding in as fast as 14 days. Lines of credit and working capital can fund same day once approved. Equipment financing is typically a same-day approval. Whatever the product, your lending advisor tells you the real timeline for your file up front — not a marketing range.

Baseline is two years of business tax returns, personal tax returns, three months of bank statements, and business financials — SBA products ask for more on top of that. Our Smart Application can Plaid-verify your bank statements directly, so for a lot of products you're not manually hunting down and uploading PDFs.

Yes. Startup Capital (Syndicated) goes up to $250K with no hard credit check and no upfront fees, and 0% APR Credit Stacking gets qualified founders up to $100K at 0% for 6-24 months with no income verification. Both are built for businesses that don't have two years of financials yet — strong personal credit and a clear plan matter more than time in business.

It's one form instead of twenty. Tell us about your business once and it Plaid-verifies your financials, runs instant property lookups for real estate-backed products, and matches you against SBA, credit lines, equipment financing, and the rest — usually in under 30 minutes. If a product needs something the form doesn't capture, your lending advisor follows up directly instead of bouncing you back to start over.

No — they're the same Business Term Loan and SBA 7(a) programs listed above, framed around what you're actually using the money for. An expansion loan runs through our standard term-loan underwriting; an acquisition loan runs through SBA 7(a), which is the program most business purchases and buyouts go through anyway. Same products, same terms, matched to your goal instead of a separate application.

Ready to Grow Your Business?

One application, a veteran-staffed lending team, and the real terms up front — not a teaser rate that moves once underwriting starts.

Talk to a Lender