FynFund · Seasoned Merchant Funding
SBA Veterans Advantage fee waivers, vet-preferred alternative funders, and fast working capital. $10K to $5M for military veteran-owned businesses.
If you served and now run a business, you have funding options most civilians don't. SBA Veterans Advantage waives the guaranty fee on SBA 7(a) loans up to $350K for veteran-owned businesses. Several alternative lenders in FynFund's network offer preferred rates on MCAs and term loans for military veterans. FynFund routes your file to those programs automatically.
The SBA waives the upfront guaranty fee on 7(a) loans up to $350K for veteran-owned businesses — saving 2-3% of the loan amount. We can pre-qualify you in 48 hours.
Several MCA and alternative lenders in our network price veteran-owned deals at preferred factor rates — typically 5-10% better than their standard terms.
Service-disabled veteran-owned small businesses qualify for federal contract set-asides. Working capital from us strengthens your bid capacity.
Request a veteran specialist who knows the VA programs, SDVOSB certification, and the SBA's Office of Veterans Business Development. We translate bureaucracy.
SBA 7(a) and 504, term loans, lines of credit, equipment financing, and MCAs. We match your use of funds to the cheapest eligible product.
For service-disabled veterans, specific state and federal programs offer below-market rates. We'll tell you exactly which programs you qualify for.
Tell us your service status upfront so we route to vet-preferred funders and SBA Veterans Advantage eligibility. 5-minute online application.
For SBA and preferred-rate alternative funders, we help you gather DD-214 or service verification. Most deals don't require it upfront for initial offers.
Review offers from vet-preferred lenders + standard funders. Pick the best combination of rate and speed. We negotiate final terms on your behalf.
Veteran business ownership is a real SBA priority — not just a marketing line. The SBA's Office of Veterans Business Development runs multiple programs specifically for veteran entrepreneurs, and the SBA Veterans Advantage program (which waives the upfront guaranty fee on 7(a) loans up to $350K) is one of the best deals in small business finance. For a $250K loan, that fee waiver alone saves you $5,000-$7,500. We make sure you get it.
Beyond SBA: several alternative funders in our network price veteran-owned deals at preferred rates as a matter of policy. That means lower factor rates on MCAs, lower APRs on term loans, and in some cases, higher approval amounts. It's not a huge discount (typically 5-10% better than standard terms), but it's real money, and it compounds across the life of a loan or advance.
For service-disabled veterans (SDVOSB), the programs extend further. Federal contracts have set-aside categories specifically for SDVOSBs — approximately 3% of all federal contract dollars by regulation. If your business is certified SDVOSB (through the SBA's VetCert program), you're eligible for contract preferences that dramatically change the conversation around bondability and working capital needs. We can route working capital that specifically supports SDVOSB contract bids.
One important note: SBA Veterans Advantage requires documentation (usually DD-214, discharge papers, or equivalent). We'll help you assemble this if you're applying for SBA 7(a) — it's a 5-minute process to verify eligibility, and the savings are significant. Standard alternative loans (MCA, term loans, LOCs) don't require service documentation for initial offers, so you can get quotes quickly and verify later if you want to claim vet-preferred pricing.
FynFund's role: we match you to the best combination of SBA, bank, and alternative lenders based on your specific profile. For veterans, that often means running parallel tracks — a fast MCA or term loan for immediate working capital while an SBA 7(a) closes over 60-90 days. That way you don't wait 3 months for capital you needed last week.
Veterans Advantage waives the upfront SBA guaranty fee on 7(a) loans up to $350K for veteran-owned businesses. For a $250K loan this saves roughly $5,000-$7,500. The program applies to veteran-owned businesses where a veteran owns 51% or more of the business.
Veterans (discharged under honorable conditions), active duty service members, reservists, National Guard members, and in some cases the surviving spouses of service-disabled veterans. Documentation requires DD-214 or equivalent for SBA programs.
Service-Disabled Veteran-Owned Small Business — a federal designation for businesses where a service-disabled veteran owns 51%+ of the business and controls day-to-day operations. SDVOSB status gives access to federal contract set-asides (roughly 3% of federal contract spend).
Not for alternative loans or standard SBA 7(a) — you just need to be a veteran-owned business. For federal contract-specific programs, you'll need to be certified through the SBA's VetCert system. We can point you to the certification process.
DD-214 is the standard document. Reservists and National Guard can use NGB-22 or equivalent. For Veterans Advantage and preferred-rate programs, you'll provide this at underwriting, not at initial application.
Yes — MCAs are available to veteran-owned businesses just like any other established business, with same-day to 72-hour funding. Several funders in our network offer preferred factor rates for veterans.
SBA 7(a) tops out at $5M (Veterans Advantage fee waiver applies only to first $350K). Alternative term loans and MCAs typically max at $2M. The specific amount depends on your business revenue and time in operation.
No — disability status doesn't negatively impact loan approval. In fact, SDVOSB certification can unlock additional programs. Lenders look at business metrics (revenue, time in business, credit), not VA disability rating.
Yes. Many veteran business owners run parallel tracks — a fast alternative loan for immediate capital, plus an SBA 7(a) closing in 60-90 days. We'll help you structure both so they work together.
Yes — most states have their own veteran business programs with below-market loans or grants. California, Texas, Florida, and New York have particularly strong programs. We can point you to the relevant state resources alongside our federal and alternative options.
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