Guide
There is no separate veteran product here and no veteran surcharge — the file is read on the same published thresholds as everyone else.
✓ Checking what you qualify for does not affect your credit score.
There is no separate veteran product here and no veteran surcharge — the file is read on the same published thresholds as everyone else.
Where veteran status genuinely changes the economics is SBA lending: the SBA Veterans Advantage programme has historically reduced or waived guaranty fees on 7(a) loans for eligible veteran-owned businesses. That route prices far lower than anything on this site and takes weeks rather than a day.
Run both. Apply here for the timeline, and pursue SBA in parallel for the cost. If the SBA loan closes, a term loan here can be repaid early with a 50% discount on the remaining interest.
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
Application plus three months of business bank statements. Same-day decision, next business day funding.
There is no separate veteran product here and no veteran surcharge — the file is read on the same published thresholds as everyone else.
Where veteran status genuinely changes the economics is SBA lending: the SBA Veterans Advantage programme has historically reduced or waived guaranty fees on 7(a) loans for eligible veteran-owned businesses. That route prices far lower than anything on this site and takes weeks rather than a day.
The minimum FICO is 500. The 650/600/550 tiers are product criteria that decide which product a file is read against, not a floor on the business. Scores in the 500s are placed routinely and are read on revenue, deposit consistency and time in business rather than on the score alone.
No.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
