Commercial Lending
Whether you need to Start, Grow, or Save your business... We got you!
We help Vetrepreneurs grow their business by getting them into the best financing program possible.
With The Veteran Lending Team you will deal with one highly trained adviser that will guide you through your best options. We can help you with financing in all areas: Inventory, Expansion, Equipment, Working Capital, Business Acquisitions and more. We tailor our programs to meet the specific needs of your business.
Our Relationship Lenders will get you the best, most competitive rates available for your business from our network of the country's top lenders. The best part?... You only need to fill out one application. The Veteran Lending Team will use that application to get multiple lenders bidding on your business!
Our Loan Programs
By the numbers. An indepth look at what's covered by Commercial Lending!
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SBA Loans
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Simple Interest Loans
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Merchant Processing
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Lines of Credit
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Working Capital Lines
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Equipment Financing
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Invoice Factoring
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Ecommerce Financing
Program Details:
Stop paying too much to accept credit cards. We can set you up with new equipment and reduce the current costs you’re paying by up to 95%. We have the perfect fit for all different types of businesses, whether you’re a restaurant, auto repair shop, retail store, online business, or a consultant we have the right set up to fit your business.
Here's What's Needed to Apply:
- Application
- Last 6 months of business bank statements
- Drivers License
- Voided Check
- Last 2 business tax returns
- Prior years year end financials - P&L with a Balance Sheet
Qualifications:
- 700+ Credit, 2 business tax returns, strong business credit, Gross annual revenue above $120,000
Program Details:
A simple interest-term loan is a great program to start a business, purchase a coaching/consulting program or consolidate debt. The process is simple and it only takes a few days to receive the loan. You can have approval in as little as a day and receive funds a few days after that. Terms- 1-6 years with monthly payments. Simple interest as low as 6%.
Amount $20,000 - $200,000
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Proof of Income
- Application Process 24 - 72 hours
Qualifications:
- 650+ Fico
- $50,000 in provable income (W2, Tax return, 1099, pay stubs)
- If you're self employed, you must be in business at least 2 years and have a profitable business.
Program Details:
Stop paying too much to accept credit cards. We can set you up with new equipment and reduce the current costs you’re paying by up to 95%. We have the perfect fit for all different types of businesses, whether you’re a restaurant, auto repair shop, retail store, online business, or a consultant we have the right set up to fit your business.
We offer traditional merchant services as well as Cash Discount. Cash Discount merchant processing is a program that passes the fee to the client which means you no longer have to carry the majority of the costs associated with accepting credit card payments.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Driver's Licence
- Voided Check
- Last 2 merchant processing statements
- Application Process 24-72 hours
Program Details:
Get a line of credit to grow, expand and protect your business today. Our lines of credit help you expand your business by giving you the funds you need to expand when you need them. Only pay on what you draw on and with simple interest starting as low as 6% it’s never been more affordable to grow your business. Terms range from 6-36 months with weekly or monthly payments.
Line Amounts $10,000 - $250,000
Here's What's Needed to Apply:
- Simplify Application
- Last 6 months of business bank statements
- Drivers License
- Voided Check
- Most Recent Business Tax Returns
- Application Process 24-72 hours
Qualifications:
- 650+ Fico
- 2 years in business
- $50,000 in monthly revenue
- Strong Cash Flow and 8+ deposits each month
Program Details:
Working Capital Lines are the fastest and easiest to qualify for all of our programs. These lines are specifically tailored to our client’s individual businesses to help them grow and expand without the hassle of going to a bank. Terms range from 4-18 months with daily or weekly payments. We strive to design prepayment incentives into each line to lower the cost for customers who pay early.
Funding Amounts $10,000 - $5,000,000
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Last 6 months of business bank statements
- Last 4 months of merchant processing statements
- Driver's License
- Voided Check
- Most Recent Business Tax Return
- Application Process 24-72 hours
Qualifications:
- 500+ Fico
- 6 months in business
- $15,000/month in sales going into a business bank account
Program Details:
Purchase new and used equipment to rapidly grow your business. We will guide you through the quick and easy process of getting an equipment loan between 2-5 years to get the equipment your business needs to get to the next level. In some cases we can help you with no money down.
Terms: 2-5 years with monthly payments.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Last 6 months of business bank statements
- Driver's License
- Voided Check
- Most Recent Business Tax Return
- Invoice for the Equipment you wish to purchase
- Application Process 2-7 days
Qualifications:
For Startups
- 700+ credit and homeownership
- 2+ years in business with a 620 Fico
For Established Business
- 600+ Credit
- At least 2 years in business
Program Details:
Scale your business faster by speeding up your companies invoice payments and receivables. Stop waiting 30-60-90 days to be paid for the work you did today. We can factor your invoices to increase your cash flow in order to fuel growth.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Detailed A/R Report
- Sample Invoice
- Current term sheet if you're already using a factoring company
- Articles of incorporation
- Voided Check
- Driver's License
We can issue a term sheet in 24 hours and have the entire process done within 3 business days!
Qualifications:
For Startups
- 700+ credit and homeownership
- 2+ years in business with a 620 Fico
For Established Business
- 600+ Credit
- At least 2 years in business
Program Details:
Financing for Amazon, Walmart, or Shopify shop owners.
Get approved for $30,000-$120,000 to start your business with startup financing.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Proof of Income
- Application Process 24 hours
Qualifications:
- 650+ Fico
- 6 months in business
- $50,000 in provable income (W2, Tax return, 1099, pay stubs)
If you're self employed, you must be in business at least 2 years and have a profitable business.
SBA Loans
Program Details:
Stop paying too much to accept credit cards. We can set you up with new equipment and reduce the current costs you’re paying by up to 95%. We have the perfect fit for all different types of businesses, whether you’re a restaurant, auto repair shop, retail store, online business, or a consultant we have the right set up to fit your business.
Here's What's Needed to Apply:
- Application
- Last 6 months of business bank statements
- Drivers License
- Voided Check
- Last 2 business tax returns
- Prior years year end financials - P&L with a Balance Sheet
Qualifications:
- 700+ Credit, 2 business tax returns, strong business credit, Gross annual revenue above $120,000
Simple Interest Loans
Program Details:
A simple interest-term loan is a great program to start a business, purchase a coaching/consulting program or consolidate debt. The process is simple and it only takes a few days to receive the loan. You can have approval in as little as a day and receive funds a few days after that. Terms- 1-6 years with monthly payments. Simple interest as low as 6%.
Amount $20,000 - $200,000
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Proof of Income
- Application Process 24 - 72 hours
Qualifications:
- 650+ Fico
- $50,000 in provable income (W2, Tax return, 1099, pay stubs)
- If you're self employed, you must be in business at least 2 years and have a profitable business.
Merchant Processing
Program Details:
Stop paying too much to accept credit cards. We can set you up with new equipment and reduce the current costs you’re paying by up to 95%. We have the perfect fit for all different types of businesses, whether you’re a restaurant, auto repair shop, retail store, online business, or a consultant we have the right set up to fit your business.
We offer traditional merchant services as well as Cash Discount. Cash Discount merchant processing is a program that passes the fee to the client which means you no longer have to carry the majority of the costs associated with accepting credit card payments.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Driver's Licence
- Voided Check
- Last 2 merchant processing statements
- Application Process 24-72 hours
Lines of Credit
Program Details:
Get a line of credit to grow, expand and protect your business today. Our lines of credit help you expand your business by giving you the funds you need to expand when you need them. Only pay on what you draw on and with simple interest starting as low as 6% it’s never been more affordable to grow your business. Terms range from 6-36 months with weekly or monthly payments.
Line Amounts $10,000 - $250,000
Here's What's Needed to Apply:
- Simplify Application
- Last 6 months of business bank statements
- Drivers License
- Voided Check
- Most Recent Business Tax Returns
- Application Process 24-72 hours
Qualifications:
- 650+ Fico
- 2 years in business
- $50,000 in monthly revenue
- Strong Cash Flow and 8+ deposits each month
Working Capital Lines
Program Details:
Working Capital Lines are the fastest and easiest to qualify for all of our programs. These lines are specifically tailored to our client’s individual businesses to help them grow and expand without the hassle of going to a bank. Terms range from 4-18 months with daily or weekly payments. We strive to design prepayment incentives into each line to lower the cost for customers who pay early.
Funding Amounts $10,000 - $5,000,000
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Last 6 months of business bank statements
- Last 4 months of merchant processing statements
- Driver's License
- Voided Check
- Most Recent Business Tax Return
- Application Process 24-72 hours
Qualifications:
- 500+ Fico
- 6 months in business
- $15,000/month in sales going into a business bank account
Equipment Financing
Program Details:
Purchase new and used equipment to rapidly grow your business. We will guide you through the quick and easy process of getting an equipment loan between 2-5 years to get the equipment your business needs to get to the next level. In some cases we can help you with no money down.
Terms: 2-5 years with monthly payments.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Last 6 months of business bank statements
- Driver's License
- Voided Check
- Most Recent Business Tax Return
- Invoice for the Equipment you wish to purchase
- Application Process 2-7 days
Qualifications:
For Startups
- 700+ credit and homeownership
- 2+ years in business with a 620 Fico
For Established Business
- 600+ Credit
- At least 2 years in business
Invoice Factoring
Program Details:
Scale your business faster by speeding up your companies invoice payments and receivables. Stop waiting 30-60-90 days to be paid for the work you did today. We can factor your invoices to increase your cash flow in order to fuel growth.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Detailed A/R Report
- Sample Invoice
- Current term sheet if you're already using a factoring company
- Articles of incorporation
- Voided Check
- Driver's License
We can issue a term sheet in 24 hours and have the entire process done within 3 business days!
Qualifications:
For Startups
- 700+ credit and homeownership
- 2+ years in business with a 620 Fico
For Established Business
- 600+ Credit
- At least 2 years in business
Ecommerce Financing
Program Details:
Financing for Amazon, Walmart, or Shopify shop owners.
Get approved for $30,000-$120,000 to start your business with startup financing.
Here's What's Needed to Apply:
- Integrated Business Financing Application
- Proof of Income
- Application Process 24 hours
Qualifications:
- 650+ Fico
- 6 months in business
- $50,000 in provable income (W2, Tax return, 1099, pay stubs)
If you're self employed, you must be in business at least 2 years and have a profitable business.
Simple Interest Loans
Merchant Processing
Lines of Credit
Working Capital Lines
Equipment Financing
Invoice Factoring
Equipment Financing
SBA Loans
Simple Interest Loans
Merchant Processing
Lines of Credit
Working Capital Lines
Equipment Financing
Invoice Factoring
Equipment Financing
Program Details:
The lightning program is a quick SBA Loan that can help applicants get up to $150,000 in as little as 3-4 weeks. Underwriters reviewing applications will base the loan amount off of the businesses prior years top line revenue instead of profit margins. You receive 30% of the prior years total revenue up to $150,000.
Here's What's Needed to Apply:
Application
-Last 6 months of business bank statements
-Driver's license
Voided Check
-Last 2 business tax returns
Prior years year end financials- P&L with a Balance Sheet
Qualifications:
700+ Credit, 2 business tax returns, strong business credit, Gross annual revenue above $120,000
Investment Properties
Looking to buy a rental or investment home? We go you from every angle!
DSCR Mortgage
Insurance
Landlord Warranty
Transfer the risk of appliances breaking from you to us... So when the air conditioner, or fridge, stops working in your rental home your tenants file a claim, without having to bother you.
Property Tax Protection
Our team of tax attorneys will check every year to make sure you are not being over assessed and charged more in tax that you should be... Potentially saving your thousands!
Commercial Insurance
Its important to make sure your business is properly protected so that you aren't plagued by exposure and risk. You can't grow if you aren't protected. Thats why we got you covered on the commercial insurance side too!
General Liability
Builder's Risk
Umbrella
E&O
Commercial Auto
And more!
Frequently Asked Questions
I am rated at 100% T&P with PTS, Sleep Apnea, and more. Can I get VetLife?
Sounds like you are describing just about all of us... and all of us that have applied have been approved for VetLife. We built this for the veteran community. because we are the veteran community.
Who can apply for coverage?
We built VetLife exclusively for the veteran and military community. Actively Serving (AD, Reserves, Guard?), Retired?, Veteran? We got you!
Can I cancel any time?
You can, but we don't recommend it as it could create tax implications. VetLife is built to be very flexible, so when times get tough, it is not a burden on your finances and family.
Is it true VetLife has living benefits?
It wouldn’t be your financial woobie if it didn’t.
Living benefits allow you to take out 80% of your death benefit if you are hit with terminal illness, chronic illness, Critical Illness, and Critical Injury.
I'm Still Serving. What happens if I am deployed?
As long as you start your policy while on U.S. (and don't have pending deployment orders) you'll be covered!
If you have pending deployment orders, there might be a temporary exclusion or two, but we can work through it!
I am a PMC and most of my contracts are overseas.
So are a lot of our customers. As long as you are contracted by an American company, and your compensation comes from within the US you're good to gol
What is Infinite Banking, can VetLife can be used for it?
Absolutely! Its one of the best parts of VetLife.
You overfun the policy and let the power of compounding interest make your money grow. Then you borrow against the cash value at a lower interest rate than your average growth. The goal is to become your own banker, avoiding traditional lenders and banks.
Can my spouse and kids get covered under to my policy?
Absolutely! Most of us added our spouses and kids to our policy as a ryder. Others have opted to create individual policies for their kids so they can grow their wealth.
If you contribute $100 per month to each of your kids CivLife accounts for 18 years, through the power of compounding interest, by the time they are 50, they will have over $2M in their account.
Do I need a medical exam to get VetLife
We didn't! Its always a possibility that in ultra situations a medical exam might be requested. However, we have never experienced this, and it surely isn't
Sounds like you are describing just about all of us… and all of us that have applied have been approved for VetLife. We built this for the veteran community. because we are the veteran community.
We built VetLife exclusively for the veteran and military community. Actively Serving (AD, Reserves, Guard?), Retired?, Veteran? We got you!
You can, but we don’t recommend it as it could create tax implications. VetLife is built to be very flexible, so when times get tough, it is not a burden on your finances and family
It wouldn’t be your financial woobie if it didn’t.
Living benefits allow you to take out 80% of your death benefit if you are hit with terminal illness, chronic illness, Critical Illness, and Critical Injury.
As long as you start your policy while on U.S. (and don’t have pending deployment orders) you’ll be covered!
If you have pending deployment orders, there might be a temporary exclusion or two, but we can work through it!
So are a lot of our customers. As long as you are contracted by an American company, and your compensation comes from within the US you’re good to gol
Absolutely! Its one of the best parts of VetLife.
You overfun the policy and let the power of compounding interest make your money grow. Then you borrow against the cash value at a lower interest rate than your average growth. The goal is to become your own banker, avoiding traditional lenders and banks.
Absolutely! Most of us added our spouses and kids to our policy as a ryder. Others have opted to create individual policies for their kids so they can grow their wealth.
If you contribute $100 per month to each of your kids CivLife accounts for 18 years, through the power of compounding interest, by the time they are 50, they will have over $2M in their account.
We didn’t! Its always a possibility that in ultra situations a medical exam might be requested. However, we have never experienced this, and it surely isn’t
