Capital for Vetrepreneurs.
Flexible terms, four SBA programs, and a banker who actually understands your mission — not a call center reading a script off a screen.
SBA Programs
Choose Your Loan Type
Choose the loan type that fits your business. Your banker helps you pick the right one.
SBA 7(a) Loan
Up to $5 million for working capital, equipment, real estate, or refinancing.
- • Up to $5M loan amount
- • 10-25 year terms
- • Low down payments
- • Multiple use cases
SBA 504 Loan
Long-term, fixed-rate financing for real estate and heavy equipment.
- • Up to $5.5M loan amount
- • 10-25 year fixed rates
- • Real estate focused
- • Low down payments
SBA Express
Fast-track approval for loans up to $500k. Get funded in days, not months.
- • Up to $500K loan amount
- • 36-hour SBA response
- • Flexible use of funds
- • Quick turnaround
SBA Microloan
Up to $50,000 for startups and newer businesses that need working capital, inventory, or supplies to get off the ground.
- • Up to $50K loan amount
- • Built for startups & newer businesses
- • Working capital, inventory, supplies
- • Lower barrier to entry than 7(a)
The SBA's Veterans Advantage
Businesses that are 51%+ owned by a veteran, service-connected disabled veteran, active-duty service member, or military spouse can qualify for a waived or reduced upfront guaranty fee on SBA 7(a) loans under the SBA's Veterans Advantage program. It's a federal benefit — not a VAB markup — and your banker will confirm your eligibility and current fee treatment when you apply.
How It Works
Three steps, one banker, zero confusion.
Fill out our streamlined application. We'll guide you through every step.
We work with the SBA to get you approved. Typically 30-45 days for standard loans.
Funds deposited directly into your account. Time to grow your business.
Why Choose The Veteran Alliance?
A banker who served — now fighting for your business.
Veteran-First Approach
We understand military service and how it translates to business success.
Personal Guidance
No call centers. You'll work with a dedicated veteran banker.
Faster Process
We cut through the red tape. No bureaucratic runaround.
SBA-Backed Financing
Government-backed programs designed to support small businesses.
Before you apply
What to expect
What SBA lending actually requires — no surprises when your banker walks you through it.
Personal guarantee
SBA lending generally requires a personal guarantee from owners with 20%+ equity — standard across the industry, not a VAB add-on.
Time in business
Startups are eligible, but stronger terms usually go to businesses with an operating history and financials to show your banker.
Use of funds
Working capital, equipment, real estate, or refinancing existing debt — the SBA restricts funds from a narrow list of ineligible uses your banker will walk through.
Come prepared
What You'll Need
The paperwork SBA lending actually asks for. Your banker tells you exactly what applies to your loan before you start gathering it.
Business & personal tax returns
Typically the last two to three years — for the business, and for any owner with 20%+ equity.
Financial statements
Profit & loss and balance sheet, current — plus projections if you're a startup without a track record yet.
Business plan
Especially for startups or larger requests — what the money does and how it gets repaid.
Ownership & ID documents
Ownership breakdown, personal financial statement, and government ID for anyone with 20%+ equity.
Straight answers
SBA loan questions.
For most SBA loans, yes — owners with 20% or more equity typically sign a personal guarantee. This is an SBA program requirement, not something The Veteran Alliance adds on top.
That's what your banker is for. 7(a) is the general-purpose workhorse, 504 is built for real estate and heavy equipment, Express is for smaller amounts where speed matters most. You won't have to figure this out alone.
Yes, though terms and required documentation tend to be stronger for businesses with an operating history. Your banker will tell you honestly where you stand before you apply.
It depends on the loan type and amount — 504 loans are inherently collateralized by the real estate or equipment being financed. Your banker will walk you through what's needed for your specific loan.
It's the SBA's smallest program — up to $50,000, aimed at startups and newer businesses that need working capital, inventory, or equipment rather than a real estate purchase. If you're just getting off the ground, it's often a faster, simpler path than a 7(a) loan.
Yes — the SBA's Veterans Advantage program can waive or reduce the upfront guaranty fee on 7(a) loans for veteran-owned businesses. It's a federal program, not something The Veteran Alliance adds on top, but it's exactly the kind of thing your banker should be checking for automatically.
Expect to provide business and personal tax returns, current financial statements, a business plan for startups or larger requests, and ownership/ID documentation for anyone with significant equity. Your banker will give you the exact list for your loan type before you start gathering paperwork.
Ready to Grow Your Business?
Let's get you the capital you need. Talk to a veteran banker today — your SBA loan proceeds land in a real VAB business checking account, and a 504 loan on a building often means a commercial real estate conversation is worth having too.