The honest position
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.
How to run both tracks
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.
The thresholds here
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.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
What to send
Application plus three months of business bank statements. Same-day decision, next business day funding.
Questions
Is there a special product for veterans?
There is no separate veteran product here and no veteran surcharge — the file is read on the same published thresholds as everyone else.
What else should I look at?
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.
What credit score do I need?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Will checking affect my credit?
No.