What is the veteran discount or benefit on SBA loans?

Veteran business loan customers can receive up to $2,500 in fee savings and a 0.50% rate reduction when using qualifying SBA loan products.

What are the minimum funding amounts?

You can get working capital starting at $25,000. For franchise expansion, business acquisition, or buying commercial real estate the starting amounts are approximately $150,000.

What uses are eligible under this Veterans Business Loans program?

Use the funds for what your business needs — working capital, upgrading or expanding, acquiring a business, buying commercial real estate, opening or expanding a franchise, or other business growth activities.

How do I start the process?

First share your business goals through a short form, then connect with an SBA lending specialist, and then together you’ll prepare what’s needed and move forward.

Veterans Save up to $2,500 in Fees & Get a 0.50% Rate Reduction on SBA Loans.

Whatever your business goal, we’ve got options that fit.

Pay for Day-to-Day Business Needs

Starting at: $25,000

Best for: Low-hassle funding for existing businesses with solid credit and tax history. Great for working capital or small upgrades.

Pre-qualify in Minutes

Opening or Expanding a Franchise

Starting at: $150,000

Best for: Opening a new franchise location or expanding an existing one. Designed for both new and experienced franchisees.

Talk To a Specialist

Buying an Established Business

Starting at: $150,000

Best for: Purchasing a business with cash flow, customers, and staff already in place or for taking over full ownership from a current partner.

Get Expert Guidance

Buying the building you're renting

Starting at: $150,000

Best for: Business owners ready to purchase the commercial property they currently occupy. Perfect for building equity and stop renting.

Talk to a CRE Expert

When the usual options don’t apply, we make new ones.

Let’s find the loan that fits your business — not the other way around.

Tell Us More

Some of the best US small businesses partner with us.

Read their stories and see how First Bank of the Lake turned business goals into reality.

Reed’s Moving

$3.3MM SBA 7(a) loan in under 30 days.

Winter Park Ski Rental

$2.2MM SBA 7(a) loan in just 35 days.

Woof Gang Bakery & Grooming

$345,000 SBA 7(a) loan in only 35 days.

Lifetime Green Coatings

$400,000 SBA 7(a) loan in less than 30 days.

3 Simple Steps to Start Your SBA Loan Journey.

The SBA loan process can feel complex, but you don’t have to navigate it alone.

first-bank-of-the-lake-proudly-supporting-veteran-borrowers-through-sba-programs

Step 1: Share Your Goals Open or Close

Start by sharing your business goals and what you're hoping to achieve. Whether you're buying, expanding, or just getting started. This short form helps us connect you with the right specialist.
Step 2: Connect with Your Specialist Open or Close

Talk one-on-one with an SBA lending expert. We’ll listen, ask questions, and start mapping out a path that fits your timeline, your experience, and your vision.
Step 3: Get Ready to Move Forward Open or Close

Together, we’ll look at the essentials to make sure you're in a strong position to move ahead. If something’s missing, we’ll help you prepare.

FREE 30-minute consultation
Take the next step. Answer a few simple questions about your business goals.

HELPING BUSINESS OWNERS ACHIEVE THEIR DREAMS

Proven expertise backed by industry-leading results.

Ranked in the
Top 1%
of SBA lenders nationwide*

Funded Over
+$1.1B
In SBA Loans from
2020-2024

Ranked
Top 5
SBA Franchise Lender*

Funded Over
2000
Loans

Ready to Talk? We’re Ready to Help.

Tell us a bit about your business — we’ll help you find the right path.

Start a Conversation

All loans are subject to credit approval. Restrictions and limitations may apply. First Bank of the Lake does not provide tax, legal or investment advice. All decisions concerning these matters should be made in conjunction with your professional advisors.

*Top 1% of SBA 7(a) lenders by approval amount during SBA fiscal year 2023. Top 5 SBA franchise lender by approval count during SBA fiscal years 2024 and 2023.
Approved to offer SBA loan products under SBA's Preferred lenders Program.