Veteran-owned businesses have access to every major financing option—plus SBA fee relief, the MREIDL program, and certifications built to support those who served. Here's what's available and how to get funded.
Veterans have access to all standard business financing—and unlike some groups, there are several concrete veteran-focused programs. The SBA reduces or waives certain fees for veteran-owned businesses on eligible loans, the MREIDL program supports businesses affected when an owner or key employee is called to active duty, and VOSB/SDVOSB certification unlocks set-aside federal contracts. There's no single "veterans-only" loan, but the support is real and worth using.
You can access every product on the market. Match the type to your need:
| Option | Best for | Speed |
|---|---|---|
| SBA loans | Lowest rates, long terms, growth (possible fee relief) | 30-60+ days |
| Working capital | Payroll, inventory, cash flow | 1-3 days |
| Line of credit | Flexible, ongoing access | 1-7 days |
| Term loan | A defined project or expansion | 1-7 days |
| Equipment financing | Buying equipment or vehicles | 1-7 days |
| Revenue-based financing | Strong sales, flexible repayment | 1-5 days |
These are specific to those who served—use them to lower costs and win contracts:
The SBA reduces or waives certain guaranty fees for veteran-owned businesses on eligible loans—lowering the cost of SBA financing. Confirm current terms when you apply.
The Military Reservist Economic Injury Disaster Loan covers operating costs when an essential owner or employee is called to active duty. Full guide.
Veteran-Owned and Service-Disabled Veteran-Owned certifications unlock set-aside federal contracts—revenue that strengthens financing.
The SBA-backed VBOC network offers free training, counseling, and help preparing a strong loan application.
SBA 7(a), Express, and microloans are widely used by veteran-owned businesses for low rates and long terms.
Many corporations and agencies actively seek veteran-owned suppliers—certification can win contracts that fuel growth.
Veteran programs can lower costs or open contracts, but standard underwriting still applies. Most lenders look for:
Decide what you need the funds for and which product fits—SBA, working capital, line of credit, or more.
Have bank statements and basic financials ready; add VOSB/SDVOSB certification or DD-214 if relevant.
One application reaches multiple lenders, including those familiar with veteran programs.
Choose the best terms and get funded—short-term options often in 1-3 business days.
Veterans access all standard financing plus veteran-focused programs—SBA fee relief on eligible loans, the MREIDL program, and VOSB/SDVOSB certification for set-aside contracts. No single veterans-only loan, but real support. See our MREIDL guide.
SBA efforts that reduce or waive certain guaranty fees for veteran-owned businesses on eligible loans, lowering the cost of SBA financing. Terms change, so confirm current relief when you apply.
The Military Reservist Economic Injury Disaster Loan helps a small business cover operating costs it can't meet because an essential owner or employee was called to active duty—a specific SBA program. Read more.
Veteran-Owned and Service-Disabled Veteran-Owned Small Business certifications let you compete for set-aside government contracts. They don't directly grant a loan, but the revenue they unlock strengthens financing.
On the business: revenue, time in business, credit, and cash flow. Veteran programs can lower costs or open contracts, but standard underwriting applies. Apply to see your options.
Thank you for your service—now let's fund your business. We'll match you with lenders that fit your profile, including those familiar with veteran programs. One application, multiple offers, guidance to funding.